Wood Products Insurance


We've developed the best insurance programs for wood products manufacturing.
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Workers' Comp Coverage for woodworking Businesses

Wood product can be difficult risks to ensure. Many carriers don't offer coverage for the industry. We've been helping business owners find easy and affordable coverage for over 15 years. Our experts understand the underwriting requirements from the insurance companies and we know how to negotiate the lowest rates on coverage. That's why we've developed wood products programs designed to help you get the best rates and most flexible payment options.

We partner with the best carriers writing woodworking coverage.

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Our Top Wood Product Insurance Companies

Markel FirstComp is a national insurance company licensed in all states.

Markel FirstComp

Markel is a national carrier. Markel offers exceptional workers comp coverage in most states throughout the United States

Markel Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers comp insurance for woodworking businesses.

Accident Fund

Cimarron Insurance Company writes hard to place workers comp in most states.

Cimarron Insurance

Cimarron is a fast growing insurance company providing Pay As You Go coverage for pallet manufacturing and woodworking.

Cimarron Insurance

Benchmark Insurance Company is a mono-line workers comp carrier doing business in most states.

Benchmark Insurance

Benchmark ia a fast growing carrier expanding in most states. The offer coverage for custom cabinet makers and furniture manufacturing.

Benchmark Insurance

Normandy is a fast growing insurance company with a very broad underwriting appetite.

Normandy Insurance

Normandy has lower filed rates for many related wc codes. They are in numerous states with low rates on wood product businesses.

Normandy Insurance

ICW Group is a national insurance company that quotes workers comp in most states.

ICW Group

ICW Group offers great coverage for all types of woodworking businesses. They have outstanding rates for woodworking insurance.

ICW Group

UBIC specializes in tough work comp class codes including Non-Emergency Medical Transportation.

UBIC Insurance

UBIC offers excellent rates as well as loss control resources for pallet manufacturing companies and woodenware production.

UBIC Insurance

PIE Insurance began offering competitive rates on work comp in 2019 and are expanding fast.

PIE Insurance

PIE Insurance Company is an A-Rated Carrier. They are aggressive with rates and have an appetite for many woodworking class codes.

PIE Insurance

AmTrust offer workers compensation and general liability in virtually all states with an excellent reputation.

AmTrust

AmTrust Financial provides exceptional value for many business types within the wood products manufacturing classes of business.

AmTrust Insurance

We help business owners find the very best deal on workers' comp insurance.
The right quote makes a big difference in price.
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Workers' Compensation Codes Related to Wood Products

Employees are grouped into classification codes based on their job duties and work functions. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies and agents categorize employees for rating purposes. Insurance companies set a base manual rate for each class code in order to begin pricing a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employees can cost small businesses thousands of dollars. You could end up paying too much for coverage or owing more money after an annual audit.

Class Code 2710 | Sawmill

Sawmills are engaged in sawing dimension lumber, boards, beams, timbers, shakes and related items. The may plane rough lumber to achieve uniformity in size.

Class Code 2714 | Veneer Manufacturing

Companies that manufacture softwood veneer and soft plywood products.

Class Code 2735 | Furniture Stock Manufacturing

This class encompasses businesses that manufacture various wood products for furniture. Completed products could includes table legs, chair parts, bed panels and related items. These products are typically made and shipped unfinished and unassembled. Equipment utilized to make products typically include ripsaws, cutting saws, planers and jointers.

Class Code 2759 | Pallet Manufacturing

Companies engaged in manufacturing wood pallets, wood box shook, wood boxes, other wood containers, and wood parts for pallets and containers.

Class Code 2802 | Carpentry- Shop- Trusses and Assembled Millwork

Establishments primarily engaged in manufacturing millwork. This class includes decorative wood molding, plaining mills, wood flooring mfg, wood shutters and similar wood products. Wood door and windows are included under this class code

Class Code 2883 | Wood Furniture Manufacturing and Cabinet Shop

Companies engaged in furniture MFG, cabinet MFG, wood furniture MFG and Piano Cases.

Class Code 2881 | Wood Sign Manufacturing

Companies that manufacture wood signs without the use of power machinery or without painting the signs.

Alternative State Class Codes for Wood Products:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

Class Code State
2731 | Sawmill and Shingle Manufacturing Michigan
  301 | Sawmill Delaware / Pennsylvania
  305 | Pallet Manufacturing Delaware / Pennsylvania
2757 | Pallet-Box Manufacturing California
2802 | Pallet Manufacturing Texas
2812 | Furniture Manufacturing California

Synonyms: saw mill, chipper mill, shake shingle mill, box manufacturer, pallet manufacturing, wood barrels, jewelry box,, cigar boxes, crates, wood parts, carpentry shop, millwork, wood shop, ornamental woodworking, wood flooring, cabinet maker, sign manufacturer, furniture manufacturer.

Workers Compensation Shop.com is licensed in all 50 states. We are proud to offer national multi-state coverage.

Workers Compensation Shop.com is a national Agency, licensed throughout the United States.

Get the Best Insurance for Woodworking Businesses

A lot of small woodworking businesses are overpaying for insurance coverage because their agent does not have access to the lowest cost insurance companies. Other business owners are using installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher EMR Ratings. We've been writing wood product insurance since 2005.

Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp - $0 Deposit
Guaranteed Cost and Deductible Options
National Wood Products Insurance Expertise
More Markets for More Solutions   We shop renewals too
Commercial Package Insurance Options

Lower Your Wood Products Insurance Costs

The cost of business insurance has been increasing for small businesses. General liability and workers' comp insurance have been the major cause of the increase in the cost of coverage. We've partnered with our insurance companies to provide more affordable commercial insurance solutions for our customers. Ask about our package insurance options for woodworkers:

  Workers' Compensation and Employers Liability

  Wood Products Liability Insurance

  Commercial and Personal Property

  Umbrella Liability and more

Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our workers' comp Specialists for program details on general liability and workers' compensation insurance.


Get Started Now

Start a quote online or give one of our specialists a call at 888-611-7467.

How Much Does Woodworking Insurance Cost?

The average rate our customers pay for workers' compensation under these class codes is around $3.35 per $100 of payroll. The average cost for a general liability insurance policy is about $2,400.00.

Workers' Comp Costs

  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type of wood products can modify rates
  • Premium discounts and policy credits may apply

General Liability Costs

  • GL rates are based on sales (rated per $1000)
  • Gross revenue may affect pricing
  • The type of work done matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC codes vary by industry
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How do I get started?

Here's what we need from you

  • Business details, locations, FEIN or SSN
  • Estimated annual payroll and job duties- class codes
  • Claims info or loss history- if applicable

What Happens Next?

We go find for your best price

  • Our software matches you with top-rated carriers
  • Our agents apply and negotiate your lowest rates
  • We present and recommend your best options

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Pay As You Go Workers Compensation Insurance Options.

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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