When it comes to managing workplace risks and complying with labor laws, few industries face challenges quite like millwright work. Classified under code 3724(1), millwrights operate in environments that are inherently physical, mechanically complex, and often high-risk. This makes workers’ compensation insurance not only a legal requirement in most states but also a critical part of any risk management strategy for employers in this classification. In this article, we’ll explore what makes 3724(1) millwright work unique, why proper classification matters, what risks these workers face, and how insurers determine premium rates for this occupation.

Understanding Classification Code 3724(1): The Role of a Millwright

Classification code 3724(1) is used by the National Council on Compensation Insurance (NCCI) and other rating bureaus to define a specific group of workers within the skilled trades. Millwrights under this code are primarily responsible for the installation, dismantling, maintenance, repair, and reassembly of heavy machinery and mechanical equipment. Their duties often extend to aligning gears, connecting shafts, leveling machines, and interpreting complex technical plans. These professionals are frequently found in industrial settings such as factories, manufacturing plants, construction sites, and power generation facilities.

Millwright work is highly specialized and combines mechanical knowledge with physical labor. The code 3724(1) distinguishes this group from general laborers, machinists, or mechanics due to the nature of the tasks, the environments they work in, and the tools they utilize. They typically handle large-scale equipment, often requiring cranes, lifts, and power tools to complete assignments. As such, they are at higher risk for physical injury, which directly impacts the workers’ compensation insurance landscape for employers in this field.

Why Accurate Classification Is Crucial for Employers

Employers who hire millwrights need to be extremely precise in how they classify their workforce when applying for workers’ compensation insurance. Misclassification can lead to underpayment or overpayment of premiums and may even result in penalties or audits. Workers in classification code 3724(1) fall into a high-risk category due to the hands-on, labor-intensive nature of their job. If a business inaccurately classifies these employees under a lower-risk code—intentionally or accidentally—they may face back charges or coverage issues when a claim is filed.

In addition to compliance, proper classification ensures that the premium rate accurately reflects the level of risk involved. Insurance carriers use this data not only to assess risk but to calculate base rates, understand industry trends, and analyze historical claim data. For industries with substantial physical risk, like those employing millwrights, classification accuracy is both a financial and operational imperative.

The Risks Inherent in Millwright Work

Unlike occupations confined to office settings or even general contracting, millwrights face unique occupational hazards daily. Their work environment is often mobile, physically demanding, and filled with potential sources of injury. These risks include working with or near heavy machinery, rotating parts, elevated platforms, electrical components, and high-pressure systems. Even a slight oversight in safety protocols can lead to significant accidents.

Common injuries among millwrights include musculoskeletal disorders, crushed limbs, lacerations, falls from height, and hearing loss due to prolonged exposure to loud machinery. The use of power tools, hoisting systems, and heavy lifting adds to the physical toll. Furthermore, the dynamic nature of industrial job sites means that millwrights may be exposed to changing work environments, making hazard mitigation a constant process rather than a one-time fix.

The physical nature of the job is compounded by the need to work in confined spaces or hazardous conditions like high temperatures or chemical exposure. The complexity of the machinery being installed or serviced also increases the likelihood of mistakes, especially in high-stakes projects with tight timelines.

The Role of Workers’ Compensation Insurance for Millwrights

Given the high level of physical risk and the potential for catastrophic injury, workers’ compensation insurance plays a vital role in protecting both employees and employers in millwright work. This insurance provides benefits to workers who suffer job-related injuries or illnesses, including medical treatment, wage replacement, rehabilitation services, and, in cases of permanent disability, long-term support or death benefits for surviving dependents.

For employers, having the correct coverage is more than a legal requirement—it’s a safety net against costly lawsuits and prolonged downtime. Without adequate insurance, a single serious injury could financially devastate a business, particularly in smaller or mid-sized operations. Additionally, workers’ comp coverage fosters trust and morale among employees, knowing that they are protected should an incident occur.

State laws typically mandate workers’ compensation for employees, but coverage requirements, rates, and benefits can vary. Some states have state-administered programs, while others allow private insurers to provide policies. Regardless of the jurisdiction, employers in code 3724(1) must ensure they meet all compliance requirements and maintain up-to-date coverage based on their workforce size and nature of operations.

How Premiums Are Calculated for Code 3724(1)

Workers’ compensation premiums for millwright work are among the higher-rated categories, reflecting the increased probability and severity of injuries. Insurance carriers determine the premium by multiplying the employer’s payroll (per $100) by the assigned classification rate. For 3724(1), this rate is significantly higher than administrative or clerical positions and even some other construction trades.

However, the base rate is just one part of the equation. A company’s Experience Modification Rate (EMR) is also factored in. This rate is a numeric representation of a company’s claims history compared to industry averages. An EMR of 1.0 is considered average. A higher EMR suggests more frequent or costly claims and will increase premiums, while a lower EMR can lead to discounts.

Insurers may also evaluate the safety culture of the business during underwriting. Factors such as the presence of a safety officer, regular training, OSHA compliance, equipment maintenance schedules, and accident history can all influence the final premium. Companies that demonstrate a proactive approach to risk mitigation are more likely to receive favorable rates.

What Exactly Is 3724(1) Millwright Work?

The workers' compensation classification code 3724(1) is designated for employees whose primary duties involve setting up or repairing machinery and heavy industrial equipment. This classification falls under the broader category of machinery installation, repair, or service—away from a shop environment and typically on-site. Millwrights must often interpret complex blueprints, align components to precise specifications, use welding tools, and maneuver large, cumbersome pieces of machinery—all of which increase the potential for accidents.

Unlike similar classifications that apply to shop-based mechanics or maintenance staff, the (1) subclassification of 3724 typically references field-based or industrial millwright work, which carries higher risk due to unpredictable environmental conditions.

Why Workers’ Compensation Insurance is Crucial for Millwrights

Millwrights operate in environments where the margin for error is razor-thin. They deal with high-powered equipment, confined spaces, heights, and in many cases, hazardous materials. A single mistake—whether it’s a dropped component, an electrical shock, or a slip during installation—can lead to severe injury or death. For this reason, insurers regard code 3724(1) as high-risk, necessitating robust coverage.

Workers’ compensation insurance ensures that if an injury occurs on the job, the employee receives appropriate medical attention, wage replacement, and rehabilitation without incurring personal costs. It also shields the employer from lawsuits stemming from workplace injuries, covering legal expenses, disability benefits, and ongoing care.

Without it, a single claim could bankrupt a business.

Common Injury Scenarios in Millwright Work

Due to the nature of their duties, millwrights face several high-frequency and high-severity injury risks. Examples include:

Crushing injuries from dropped machinery
Electrocution from improperly grounded equipment
Back injuries from lifting heavy components
Lacerations or amputations from unguarded tools
Slips and falls from elevated platforms or oily surfaces

These are not theoretical scenarios—they are everyday possibilities in millwright operations. The severity of these injuries often results in long recovery times, lost productivity, and expensive claims, making proper workers' compensation coverage not just wise but mandatory.

How Insurance Carriers Calculate Premiums for 3724(1)

Insurance premiums for class code 3724(1) are among the higher brackets due to the elevated risk. The standard formula used to calculate workers’ comp premiums remains consistent:

Premium = (Payroll ÷ 100) × Classification Rate × EMR (Experience Modification Rate)

In high-risk codes like 3724(1), the classification rate can range from $7.00 to $15.00 per $100 of payroll, depending on the state and the insurer. This is significantly higher than clerical or sales codes that range from $0.30 to $0.50.

The EMR further adjusts this cost. Companies with a poor safety record or history of claims will see their EMR rise, driving premiums even higher. On the other hand, a company with an excellent safety record and proactive risk management programs may enjoy reduced premiums through experience credits.

The Importance of Correct Classification

Misclassification is one of the costliest errors an employer can make. Some companies mistakenly assign millwrights to lower-risk classifications such as equipment maintenance or general labor. While this might reduce upfront premium costs, it can backfire catastrophically in the event of a claim. If a worker is injured and the insurer discovers misclassification, they may deny the claim outright, resulting in out-of-pocket medical and legal costs for the employer.

Worse still, states frequently conduct audits and levy fines for deliberate misclassification. It is vital that millwrights performing installation or repair of heavy machinery in field environments are accurately categorized under 3724(1).

Multi-State and Job Site Compliance Requirements

Millwrights often travel across state lines for large-scale projects. Each state has unique regulations concerning workers’ compensation. For example, California requires businesses to carry coverage for every employee, regardless of job type, with stringent audit and claim reporting rules. Meanwhile, Texas allows companies to opt out of the workers’ comp system, though this exposes employers to direct litigation.

If your millwright team operates in multiple states, your workers' compensation policy must be structured to include each jurisdiction. Failure to do so can result in rejected claims or enforcement actions. Partnering with a broker who understands multi-state coverage is essential to avoid compliance gaps.

Return-to-Work Programs for Millwrights

One of the best ways to reduce claim costs is by implementing a Return-to-Work (RTW) program. These initiatives allow injured workers to resume employment in a modified or light-duty capacity. For millwrights, this might include administrative tasks, training new hires, safety inspections, or assisting with equipment inventory until they fully recover.

RTW programs reduce lost wage expenses, maintain employee morale, and shorten the recovery timeline. From the insurer’s perspective, these programs show that the employer is actively mitigating claim impact, which can improve their EMR over time.

Proactive Risk Management: Reducing Claims for 3724(1) Roles

Given the high classification rate for 3724(1), reducing claims is the most effective way to control costs. Risk management programs should include:

Mandatory safety training and certifications (e.g., lockout/tagout, confined space entry)
Frequent job site inspections
Proper lifting techniques and use of mechanical assistance
Personal Protective Equipment (PPE) mandates and regular checks
Near-miss reporting and root cause analysis

Investing in risk prevention upfront often leads to significant long-term savings, not just in premiums but in retained productivity and reduced turnover.

Why Some Employers Consider Ghost Policies—and Why They’re Dangerous

Especially in industries where independent contractors are prevalent, some small firms try to cut corners by purchasing “ghost” workers' comp policies—minimal coverage that doesn’t actually insure any active worker. While such policies may satisfy contractual obligations, they do not protect workers or the business in case of an injury.

For millwright businesses employing even a handful of field technicians, a ghost policy is not a viable substitute for full coverage. If an injury occurs and no real coverage exists, the employer may face lawsuits, state fines, and criminal penalties. In hazardous work classifications like 3724(1), the risk of operating without full coverage is far too high.

Audits, Penalties, and the True Cost of Non-Compliance

Every business with workers' compensation insurance is subject to periodic audits, especially in higher-risk industries. During these audits, insurers examine payroll records, job descriptions, time logs, and tax documents to ensure employees are correctly classified.

Inaccuracies can lead to retrospective premium adjustments, interest charges, and fines. Worse, if a claim is filed and the insurer suspects fraud or misrepresentation, they may launch a more extensive investigation—sometimes involving state labor boards.

For companies engaged in 3724(1) millwright work, meticulous documentation and accurate classification are non-negotiable.

Choosing the Right Insurance Carrier and Broker

Not all carriers are equipped to handle high-risk classifications like 3724(1). It is essential to work with insurers that specialize in construction, manufacturing, and industrial services. These carriers often provide additional resources like claims advocates, telemedicine services, and proactive safety audits.

Brokers, too, play a pivotal role. An experienced broker can guide you through classification nuances, audit preparation, multi-state compliance, and even cost-saving options like pay-as-you-go billing models. This guidance is particularly valuable for small-to-mid-sized businesses that lack a dedicated HR or compliance department.

The Role of Experience Modification Rate (EMR) in Cost Control

The EMR is one of the most powerful tools for controlling workers' comp insurance costs. It reflects a company’s historical claims performance compared to others in the same classification. A standard EMR is 1.0—a company with an EMR of 0.80 enjoys a 20% discount, while one with an EMR of 1.25 pays 25% more.

For millwright employers, every claim significantly impacts the EMR due to the high classification rate. Even a single lost-time incident can raise the EMR considerably. Keeping claims low, investing in safety, and returning employees to work quickly are vital to maintaining a favorable rating.

Why Workers Compensation Insurance Is Critical for Millwrights

Millwright work entails far more than just mechanical know-how. These professionals are often the backbone of complex industrial operations, ensuring that manufacturing lines, heavy equipment, turbines, and conveyor systems are correctly installed and maintained. With responsibilities that often require entering confined spaces, working at heights, and dealing with energized machinery, millwrights are at constant risk of injury.

The nature of these tasks means that even with high safety standards in place, accidents can and do happen. For example, improper lockout/tagout procedures can result in catastrophic injuries, while miscommunication during rigging or lifting operations can lead to crushed limbs or even fatalities. In these scenarios, workers compensation insurance provides a safety net—covering medical expenses, wage replacement, and long-term care if necessary.

Moreover, millwrights often travel between job sites, sometimes across states or regions, introducing added risks such as vehicle accidents or injuries in unfamiliar environments. Therefore, employers must ensure that workers are covered no matter where their job duties take them.

Legal Obligations and Industry Standards for Class 3724(1)

Workers compensation insurance is not optional for businesses employing millwrights classified under code 3724(1). State laws across the U.S. mandate that employers carry this coverage, regardless of company size, to protect both the employee and the employer. Failure to comply with these requirements can lead to significant penalties, including steep fines, civil lawsuits, and potential criminal charges in egregious cases.

States like California, Texas, and Florida, for instance, conduct regular audits and enforce strict classification standards. Misclassifying millwrights under a less hazardous code such as maintenance workers or general laborers can result in hefty retroactive premium assessments and expose employers to uncovered liability in the event of a claim. Correctly identifying workers under the 3724(1) class code ensures proper protection and compliance.

In addition to meeting legal obligations, many third-party project owners and contractors demand proof of workers compensation coverage before allowing millwrights access to work sites. It becomes a prerequisite for contract eligibility, making it not just a regulatory need but a business imperative.

Coverage Provided by Workers Compensation for 3724(1) Employees

A well-structured workers compensation policy for millwrights includes several core protections that address the inherent dangers of the job. First and foremost, it covers all necessary medical expenses incurred as a result of a work-related injury. This includes emergency treatment, surgeries, hospitalization, physical therapy, and any specialized rehabilitation services required for full recovery.

The policy also offers temporary total disability benefits, which replace a portion of the worker’s wages while they are unable to work due to injury. These benefits are crucial for families dependent on the millwright’s income and help maintain financial stability during recovery periods.

In cases of permanent partial or total disability, workers compensation provides long-term financial support based on the severity and type of impairment. If the injury results in the loss of function or permanent disfigurement, structured settlement options may also be available.

Finally, if a millwright loses their life on the job, death benefits are provided to their dependents, covering funeral expenses and ongoing support for surviving spouses or children. These benefits are critical in helping families cope with the tragic consequences of industrial accidents.

Determining Workers Compensation Premiums for Class Code 3724(1)

Calculating the premium for millwright workers compensation policies involves a careful assessment of risk and operational exposure. The basic formula starts with the total payroll for employees classified under 3724(1), which is divided by $100 and multiplied by the base rate assigned to that classification.

The base rate for 3724(1) tends to be on the higher end of the scale due to the physical nature and risk of injury associated with millwright work. While the actual rate varies by state and insurer, it often falls between $7.00 and $14.00 per $100 in payroll. For example, if a business employs millwrights with a combined annual payroll of $500,000 and the applicable rate is $10.00, the unmodified premium would be $50,000.

However, the final premium is rarely this straightforward. Adjustments are made based on the Experience Modification Rate (EMR)—a score reflecting the employer’s claims history. Companies with a good safety record and fewer past claims may enjoy premium discounts, while those with frequent or severe injuries will pay more. Other modifiers include state-specific surcharges, premium credits for safety programs, and compliance with drug-free workplace regulations.

Employers should also expect regular audits by insurers to ensure accuracy in payroll reporting and employee classification. Underreporting or misclassifying staff as lower-risk roles can result in substantial penalties once discovered during an audit.

Common Injuries Among Millwrights and the Claims They Generate

The physical nature of millwright work means the types of injuries sustained can range from minor sprains to life-altering trauma. Strains and sprains are among the most frequently reported injuries, often resulting from lifting heavy machinery, working in awkward positions, or repetitive motion tasks. These injuries, though common, can result in weeks of lost work and require physical therapy or orthopedic care.

Another major risk comes from machinery-related accidents. Millwrights routinely work with cutting, welding, and rotating equipment. Contact with moving parts, misalignment, or equipment malfunctions can result in lacerations, fractures, or even amputations. These injuries usually lead to extended recovery periods and permanent impairments.

Falls from elevation—whether from scaffolding, ladders, or mezzanines—are also a significant concern. These incidents can result in broken bones, spinal injuries, or traumatic brain injuries, particularly if proper fall protection isn’t in place.

Burns, electric shocks, and chemical exposures are also possible depending on the environment. When millwrights work near energized systems or chemical processing units, they face hazards that can lead to severe and costly claims.

Travel-related injuries also enter the equation when millwrights are deployed to off-site projects or remote industrial facilities. Vehicle collisions, loading injuries, and even slips in unfamiliar locations can all lead to claims under the same classification.

Who Are Millwrights and What Is Class Code 3724(1)?

Millwrights are critical to the operation of manufacturing facilities, processing plants, refineries, and power generation stations. They work with advanced tools and machinery to ensure the mechanical systems function optimally. From aligning turbines to installing conveyor systems, the work requires precision, strength, and a deep understanding of mechanical systems.

Class code 3724(1), under the National Council on Compensation Insurance (NCCI) and some state-specific rating bureaus, is used to categorize the risk exposure and job duties associated with this trade. The “(1)” modifier may reflect a subclassification within certain state jurisdictions, often used to identify specific nuances in duties or associated risks under the broader millwright classification.

Injury Risks and Workplace Hazards for Millwrights

Millwrights operate in environments where accidents can happen despite strict adherence to safety protocols. Heavy lifting, working from heights, operating power tools, and exposure to rotating or moving equipment are daily realities. This makes them susceptible to a range of injuries, including:

Crush injuries from machinery or falling equipment
Fractures from slips, trips, or falls on industrial floors
Burns or electric shock when working with live equipment
Lacerations and puncture wounds from hand tools or metal edges
Musculoskeletal disorders from repetitive tasks or improper ergonomics

Moreover, millwrights often perform their work in confined spaces, elevated platforms, or adverse weather conditions, which further compounds the risk of injury. It is this high-risk profile that places Class Code 3724(1) among the more expensive and heavily scrutinized codes in the workers’ compensation system.

Why Workers’ Compensation Insurance Is Crucial for 3724(1)

Workers’ compensation is a state-mandated insurance system that provides benefits to employees who are injured or become ill due to their job. For employers with millwrights, having a robust and compliant workers’ comp policy is not just a legal requirement—it’s a financial shield against potentially devastating liability.

When a millwright suffers a workplace injury, the insurance policy covers:

Medical expenses including surgery, hospitalization, and ongoing treatments
Wage replacement while the employee is recovering
Rehabilitation and therapy costs to assist with recovery and return to work
Permanent disability compensation in severe cases
Death benefits for dependents if the injury proves fatal

Given the high cost of claims associated with millwright work, failing to carry adequate workers’ compensation coverage can lead to severe consequences. These include hefty state fines, lawsuits, stop-work orders, and even criminal penalties in jurisdictions that enforce strict compliance.

How Premiums Are Calculated for Class Code 3724(1)

The cost of workers' compensation insurance is largely driven by a few key factors:

Classification rate assigned by state insurance regulators or the NCCI
Total payroll attributed to employees working under that classification
Experience Modification Rate (EMR) based on the employer’s past claims history
State-specific surcharges, credits, and discounts

As of recent data, the base rate for 3724(1) can range anywhere from $7.00 to $15.00 per $100 of payroll, depending on the state. For example, if your millwright team earns a total payroll of $500,000 and the rate is $12.50, the base premium would be $62,500 annually before any modifiers are applied.

If your business has an EMR of 1.2 (20% worse than average), your actual premium could increase to $75,000. On the other hand, a good safety record and loss prevention program could earn an EMR of 0.8, reducing the premium to $50,000.

State-Level Nuances and Classification Confusion

It’s important to recognize that while 3724 is a common national classification, state-specific interpretations vary. For instance, California uses the Workers’ Compensation Insurance Rating Bureau (WCIRB), which may have unique subclassifications or different base rates. Some states may split 3724 into additional subclasses like:

3724(1) – Installation only
3724(2) – Maintenance or repair work
3724(3) – Specialty equipment like turbines or compressors

Employers must be vigilant in correctly classifying their workers, as misclassification can lead to premium audits, fines, or denied claims. The line between millwright and general machinist, for instance, may seem blurred, but they often carry significantly different rates.

Common Mistakes Employers Make with 3724(1) Classifications

Errors in handling workers’ compensation for millwrights can be costly. A few recurring issues include:

1. Misclassification of Employees: Many businesses mistakenly classify millwrights under general labor or machinist codes to reduce premiums. This backfires during audits or after a claim, resulting in back payments and penalties.

2. Ignoring Subcontractors: Businesses that hire independent millwrights or subcontractors often assume they don’t need to provide coverage. But if these workers lack their own insurance, or if the state deems them de facto employees, the hiring company could be liable for claims and unpaid premiums.

3. Underreporting Payroll: Attempting to reduce costs by underreporting payroll can be tempting, but it’s a serious violation. Premium audits will uncover discrepancies, and insurers can demand retroactive payments along with interest and fines.

4. Inadequate Safety Programs: Not investing in safety programs, PPE, or training increases the likelihood of claims and drives up EMR, further inflating premiums.

Audit and Record-Keeping Obligations for 3724 Employers

Insurers routinely conduct payroll audits to verify that reported employee classifications and compensation figures are accurate. For 3724(1) employers, this process is rigorous due to the high-risk nature of the work.

To pass audits smoothly, businesses should maintain:

Detailed payroll reports by job type
Job descriptions and classifications
Records of subcontractor insurance and 1099 status
Incident reports and OSHA logs
Safety training documentation

Failing an audit can lead to retroactive billing or cancellation of the policy, potentially leaving your workers exposed.

Claims Process and Challenges in Millwright Work

When a millwright is injured on the job, the claims process should be initiated immediately. However, several challenges are unique to 3724(1) work:

Injuries often occur in remote or third-party job sites, complicating incident verification
Equipment-related accidents may raise liability questions between vendors, contractors, and employers
Return-to-work timelines are often longer due to the physical demands of the job

Employers must have a clear protocol for incident response, reporting, and communication with insurance adjusters. Delays or inconsistencies can lead to denied claims or prolonged disputes.

Legal Responsibilities and State Mandates

Each state mandates that employers carry workers’ compensation if they employ a certain number of workers—often just one. Some states like California and New York have no minimum employee threshold, requiring even small businesses or sole proprietors with hired help to carry coverage.

Non-compliance can trigger serious consequences:

Civil penalties: Ranging from $5,000 to $100,000
Stop-work orders: Forcing operations to cease until coverage is reinstated
Criminal charges: In cases of fraud or repeated violations

In addition, without proper insurance, employers lose legal immunity from employee lawsuits, which could result in million-dollar judgments if negligence is proven.

Risk Mitigation Strategies for Millwright Employers

Controlling workers' comp costs doesn’t stop at buying a policy—it starts with reducing injury frequency. Smart risk mitigation includes:

Implementing rigorous safety training programs
Conducting regular hazard assessments
Ensuring all millwrights use PPE (personal protective equipment)
Installing machine guarding and lockout/tagout systems
Mandating proper lifting techniques and ergonomic practices

Employers should also establish a Return-to-Work (RTW) program that enables injured workers to come back in light-duty roles, helping reduce both claim severity and duration.

How to Choose the Right Workers' Comp Insurance Carrier

Choosing the right insurer for your 3724(1) workforce is vital. Look for providers with:

Experience handling high-risk trades
Industry-specific loss control services
Responsive claims management teams
Tools for tracking safety metrics and training compliance

An ideal partner will not only provide insurance but also work with you to improve safety, reduce EMR, and keep long-term costs in check.

What is the correct Workers' Comp Class Code for Millwright Work?
The typical classification code used in many U.S. jurisdictions for millwright work is 3724 (“Millwright Work NOC” / machinery-or-equipment erection/repair) under the National Council on Compensation Insurance (NCCI) system.

Code 3724 broadly covers “erection or repair of machinery or equipment” at the customer’s site, including installation, dismantling, alignment, and maintenance of heavy equipment.

It is labeled as NOC (Not Otherwise Classified) & drivers in some manuals, which means the work is not narrowly defined but falls under the more general machinery-erection/repair category.

It’s important to ensure the work is actually millwright work (erection/installation/repair of machinery/equipment) and not something else like general building maintenance or manufacturing, because mis-classification may lead to incorrect premiums or audit issues.

For work done on the employer’s premises by their own employees, some manuals note that the payroll “must be included in the governing classification” rather than using 3724 if another code governs the broader operations.

Because classifications and rules can vary by state, insurance carrier, or manual year, always verify with your state’s workers’ compensation rating bureau or your insurance carrier to confirm the correct code and any applicable modifiers/exceptions
How much does workers' comp insurance cost for a millwright company?
Premiums are typically calculated via the formula:
(Annual Payroll ÷ $100) × Classification Rate × Experience Modifier (EMR).

Industry classification matters a lot: millwright / heavy-equipment contractors are in higher-risk class codes, so the “classification rate” will be higher than for low-risk jobs.

Location (state) matters — different states have different base rates, benefit mandates, etc.
Insureon
+1

Payroll size and number of employees: higher payroll → higher premium. More employees generally raise exposure.

Claims history & safety record (Experience Modifier): a better record → lower premium, poor history → higher premium.

Type of work: Working with heavy machinery, lifts/cranes, rigging, hazardous environments (typical for millwrights) increases risk and thus cost.
What are the common or most severe injuries millwrights claim workers' comp for?
Crushing injuries / caught-between heavy machinery or equipment parts.

Amputations of limbs or digits due to machinery entanglement or rigging failures.

Traumatic brain injuries (TBI) or head injuries from being struck by equipment or falling objects.

Spinal cord injuries and serious back injuries from heavy lifting, awkward postures or falls.

Electrocution or severe electrical shock from servicing high voltage equipment.

Falls from heights (ladders, scaffolds, elevated platforms) or slips/trips on job sites.

Burns, lacerations and eye injuries from welding, cutting, or mechanical equipment.

Repetitive‐motion injuries, musculoskeletal disorders (MSDs) such as tendonitis, joint damage, and chronic back/neck problems.

Hearing loss (over time) due to high noise environments and machinery vibration.
Underwrite Insurance Services

Fatal injuries (in worst cases) when heavy equipment fails or accidents occur—leading to death benefit claims.

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