What is Knitting NOC Workers Compensation (class code: 2362)?
Knitting NOC (Not Otherwise Classified) Workers Compensation (class code 2362) is an insurance classification used to price and manage workplace injury and illness coverage for businesses primarily involved in knitting operations. This policy is designed to cover medical care and partial wage replacement for employees injured on the job, while also addressing employer liability exposures related to workplace incidents.
Who needs it
Any employer with staff performing knitting operations — from small production shops to larger manufacturers and contractors — typically needs this coverage. Organizations that operate knitting equipment, supply finished textile products, or contract knitting services should consider a workers’ comp policy tailored to textile work. For more detail on closely related operations and coverage options, see the Knitting Workers Compensation Insurance resource at https://completemarkets.com/Knitting-Workers-Compensation-Insurance/Storefronts/.
What it typically covers
Standard workers compensation for knitting operations generally covers:
- Medical treatment for work-related injuries and occupational illnesses
- Temporary partial or total disability benefits while an employee recovers
- Permanent disability benefits if an injury causes long-term impairment
- Death benefits and funeral expenses in fatal cases
Policies may be paired with other products to manage broader exposures, such as commercial liability, equipment coverage, or property coverage for the production facility.
Common exclusions or limitations
Typical exclusions include injuries that occur outside the course of employment, intentional self-harm, or injuries sustained while an employee is committing a criminal act. Policies also often exclude certain voluntary acts or outside-the-job recreational activities. Pre-existing conditions may be handled differently depending on the carrier and underwriting factors.
Factors that influence cost
Insurers look at several underwriting factors when setting premiums for class code 2362, including:
- Payroll size and number of employees exposed to operational hazards
- Frequency and severity of past claims (loss history)
- Safety programs, machine guarding, and employee training
- Use of subcontractors and transportation risks for shipped goods
- Type and age of equipment used in production
Risk management practices such as routine inspections, lockout/tagout procedures, and clear job-site controls can reduce premiums over time. A typical risk scenario: a worker slips in a production area and requires medical treatment — strong housekeeping and floor mats can reduce that exposure.
Proof of insurance & compliance
Most states require employers to carry workers compensation and to provide proof to state agencies, clients, or landlords. Proof usually takes the form of a certificate of insurance issued by your carrier. Maintaining current coverage also protects against penalties, stop-work orders, or civil claims in many jurisdictions.
How to get a quote
To get an accurate quote you’ll need basic payroll estimates, job descriptions, and loss history for the last several years. Insurers will ask about safety programs, equipment lists, and whether you use subcontractors. Employers often review options with brokers who specialize in manufacturing and textile risks. When you’re ready to compare coverage, talk to your agent.
For information on related textile classifications, you may also find the Spinning or Weaving NOC Workers Compensation (class code 2222) page useful: https://completemarkets.com/Spinning-or-Weaving-NOC-Workers-Compensation-class-code-2222-Insurance/Storefronts/.
Frequently Asked Questions
Does workers compensation cover repetitive motion injuries from knitting?
Yes. Repetitive motion and ergonomic injuries can be compensable if they are related to job duties and supported by medical evidence and a clear work-related cause.
Are subcontractors covered under my policy?
Subcontractor coverage depends on your policy and how they are classified; many employers require subcontractors to carry their own workers comp and provide certificates of insurance to avoid gaps.
How can I lower my premium?
Improving safety programs, providing training, maintaining equipment, and implementing return-to-work plans can all reduce claims and may lower your premiums over time.
Still have questions? Talk to a local insurance expert.