What is Machinery Dealers NOC Workers Compensation (class code: 8107)?
Workers Compensation Insurance for Machinery Dealers NOC (Not Otherwise Classified), associated with class code 8107, is designed to protect businesses that sell or distribute machinery equipment. This coverage provides essential benefits to employees who may be injured or become ill due to job-related activities or exposures.
Whether a dealer specializes in industrial, agricultural, or commercial machinery, this classification typically applies to operations with showroom, warehouse, or light assembly components, but excludes manufacturers or heavy repair shops.
Who needs it
This type of coverage is essential for machinery retailers, equipment distributors, and dealers with physical locations or delivery services. Businesses with employees involved in handling, transporting, or demonstrating machinery face job-site hazards such as lifting injuries, equipment malfunctions, or slips in the warehouse.
It is commonly purchased by small business operators, regional dealers, and organizations with field service technicians or warehouse staff.
What it typically covers
Machinery Dealers NOC Workers Compensation typically helps cover:
- Medical expenses and rehabilitation for work-related injuries
- Lost wages due to temporary or permanent disability
- Employer liability in case of work-related lawsuits
If an employee strains their back while moving a floor model into a showroom, for example, workers comp can help cover their treatment and recovery time.
Common exclusions or limitations
Like most workers compensation policies, this coverage generally excludes:
- Injuries occurring while under the influence of drugs or alcohol
- Intentional self-harm or injuries outside the scope of employment
- Independent contractors not classified as employees
Additionally, coverage may not extend to non-work-related illnesses or pre-existing conditions unless aggravated by the job.
Factors that influence cost
Premiums for class code 8107 may vary based on several underwriting factors, including:
- Number of employees and total annual payroll
- Safety protocols and training in place
- Claims history and past injury rates
- Type of machinery sold (size, complexity, associated risks)
Dealers that deliver heavy equipment may face higher costs due to increased transportation risks and lifting exposures.
Proof of insurance & compliance
Most states require proof of Workers Compensation Insurance for businesses with employees. Machinery dealers may need to provide certificates of insurance to landlords, vendor partners, or contractors as part of lease or business agreements.
Staying compliant not only helps avoid penalties, but also demonstrates responsible risk management to stakeholders.
How to get a quote
To get a custom quote for class code 8107 Workers Compensation Insurance, complete our short online form. Coverage requirements and rates vary by state and carrier, so speaking with a licensed commercial insurance specialist can ensure accuracy for your operation.
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For similar industries, you may also be interested in Workers Comp Class Code 2812, which applies to cabinet manufacturing operations. If your business involves cutting, welding, or mechanical assembly, explore Welding or Cutting NOC Workers Compensation Insurance for additional coverage options.
Frequently Asked Questions
What does "NOC" mean in class code 8107?
"NOC" stands for "Not Otherwise Classified," meaning the business doesn't fall under a more specific machinery-related workers comp class code.
Does this coverage include delivery drivers?
Yes, if delivery drivers are employed by the dealership, their job-related injuries are typically covered under this policy.
Is workers comp mandatory for small machinery dealers?
In most states, workers compensation is mandatory if a business has one or more employees. Requirements vary, so check your state regulations.
Are part-time employees covered?
Yes, part-time and full-time employees are generally covered as long as they are on the payroll and meet employee status criteria.
Can I bundle this with other commercial policies?
Yes, many dealers bundle workers comp with general liability or property coverage for more comprehensive protection.
Still have questions? Talk to a local insurance expert.