What is Labor Unions Workers Compensation (class code: 8755)?
Labor Unions Workers Compensation (class code: 8755) is the workers’ compensation classification used for union organizations and their paid staff. It covers workplace injury and illness exposures for employees of the union itself — not the individual employers that union members may work for. This coverage generally pays for medical care and a portion of lost wages when a covered employee is hurt on the job, and it helps manage employer liability exposures and return-to-work efforts. A common risk scenario is a union office staffer injured while moving equipment or a field representative hurt during travel to a meeting.
Who needs it
Typically, local unions, national union offices, training centers, and administrative staff of labor organizations purchase class code 8755 coverage. Smaller or volunteer-run groups that operate like unions — for example some worker associations or clubs and associations that employ staff — may also need this coverage. If your organization has payroll, provides training, or operates facilities, check whether an employer-level workers’ comp policy is required. For comparison with other organization types and related class codes, see Credit Unions Workers Compensation (Class Code 8801).
What it typically covers
Workers compensation for unions usually covers medical treatment, temporary partial or total disability benefits, vocational rehabilitation where applicable, and death benefits in the event of a fatal workplace injury. It does not replace general liability or property coverage — many unions also carry commercial liability or commercial auto exposure for organization activities and travel, and some add participant accident or equipment coverage for specific events or tools used in training.
Common exclusions or limitations
Policies commonly exclude injuries from intentionally self-inflicted acts, injuries sustained by independent contractors who are not employees, or losses resulting from illegal activity. Coverage details and exclusions vary by insurer and state; underwriting factors and policy endorsements can change limits or add exclusions. For roles that involve inspections or specialized fieldwork, separate class codes and endorsements may apply — see Workers Compensation — Insurance Inspection NOC (Class Code 8720) for an example of a related classification.
Factors that influence cost
Premiums depend on payroll size, job duties, state rates, claims history (experience modification), and workplace safety programs. Jobs with higher operational hazards or frequent travel typically carry higher rates. Insurers also consider the mix of office, field, and training work when assigning classifications and setting rates.
Proof of insurance & compliance
Employers usually provide a certificate of insurance as proof to contractors or partners. States require posting workers’ compensation notices and may require filing proof of coverage with state agencies. Maintain accurate payroll records and class assignments to avoid misclassification audits.
How to get a quote
To get a quote, gather recent payroll by job classification, a description of duties, and your claims history for the last few years. You can also ask your agent to review your operations, discuss possible endorsements, and compare carriers that write labor union risks.
Frequently Asked Questions
Do unions need separate workers’ comp from their members’ employers?
Yes. A union’s workers’ comp covers the union’s employees. Individual union members remain covered by their own employers’ policies for workplace injuries at their jobs.
Can volunteers be covered under a workers’ comp policy?
Coverage for volunteers varies by policy and state. Some insurers offer limited volunteer coverage or separate volunteer liability endorsements; check with your broker or carrier.
Will training classes or conferences change my rates?
Possibly. Activities that increase exposure — hands-on training, equipment use, or frequent travel — can affect classification splits and underwriting. Document safety measures to help manage rates.
Still have questions? Talk to a local insurance expert.