What is Creameries and Dairy Products Workers Compensation (class code: 2063)?
This workers compensation classification covers employees who work in creameries, dairy product plants, and related processing facilities. It helps pay for medical care, partial wage replacement, and certain rehabilitation services when workers are injured on the job. The coverage is part of an employer’s overall risk program that may also interact with commercial liability, property coverage, and commercial auto exposure for deliveries and transport.
Who needs it
Creameries, dairy product manufacturers, processors, packaging operations, small-scale artisan creameries, and farm-based dairy processors typically need class code 2063. Employers with shipping or delivery staff should consider combined protections that address transportation risks and equipment coverage. For related operations and neighboring exposures, see Dairy Farms Workers Compensation for farm-side payroll considerations and Vegetable/Fruit Processing Workers Compensation (Class Code 2117) if you handle mixed produce and dairy lines.
What it typically covers
Workers compensation for creameries usually includes:
- Medical treatment for on-the-job injuries and occupational illnesses
- Temporary and permanent disability benefits where appropriate
- Rehabilitation services and return-to-work programs
- Death benefits to dependents in qualifying situations
Coverage interacts with liability exposures when third parties (visitors, contractors) are involved, and with equipment coverage when injuries result from machinery malfunction.
Common exclusions or limitations
Typical exclusions or limits may include intentional self-harm, injuries outside the scope of employment, or certain statutory subrogation rules. Policies can also limit coverage for contractors or seasonal staff unless specifically included. Underwriting factors can affect which endorsements or exclusions apply.
Factors that influence cost
Premiums are influenced by payroll size, claim history, safety programs, the degree of automation, the presence of heavy machinery, and transportation exposure for deliveries. Risk management considerations—such as lockout/tagout procedures, employee training, and preventative maintenance—can reduce rates over time. For similar processing exposures, some employers compare notes with operations classified under Canneries Workers Compensation Class Code 2111 to assess shared hazards and controls.
Proof of insurance & compliance
Employers typically provide certificates of insurance to clients, landlords, and regulators as proof of workers compensation coverage. Requirements vary by state and by contract; keep records current and notify your agent of any staffing or operation changes. Regular safety audits and documented training help demonstrate active risk control.
How to get a quote
To get a quote, gather basic payroll details by job class, a loss history for the past three to five years, and a description of operations and safety programs. Your broker or carrier will evaluate underwriting factors and may request a site visit. If you want help starting the process, talk to your agent.
Frequently Asked Questions
Who is covered under a class 2063 policy?
Typically full- and part-time employees directly involved in creamery and dairy product processing are covered; independent contractors may need separate agreements or certificates.
Can seasonal workers be included?
Yes—seasonal and temporary workers can be covered, but they should be listed properly for payroll accounting and underwriting to ensure accurate premiums and compliance.
What can I do to lower my premiums?
Implementing documented safety programs, machine guarding, employee training, and return-to-work initiatives can reduce claims and improve your experience modifier, which may lower premiums over time.
Still have questions? Talk to a local insurance expert.