What is Medical Instrument Manufacturing Workers Compensation (class code: 3572)?
Medical Instrument Manufacturing Workers Compensation insurance protects businesses classified under class code 3572 that design, assemble, test, or produce medical and surgical instruments—items such as diagnostic devices, surgical tools, and other healthcare equipment. Because the work often involves machinery, precision assembly, inspection, and handling of delicate components, this coverage helps pay for medical care, lost wages, and disability benefits after work-related injuries or occupational illnesses. Employers should also consider related coverages like commercial liability, equipment coverage, and property coverage as part of a broader risk management program.
Who Needs It
Any employer with employees working in a medical instrument manufacturing facility typically needs workers’ compensation. This includes small shops and large manufacturers, contract assemblers, and companies that operate testing or calibration labs. For businesses with similar operations and exposures, see Instrument Manufacturing Workers Compensation Insurance (class code: 3681) for additional context on classification and underwriting factors.
What It Typically Covers
Workers’ compensation for medical instrument manufacturers generally covers:
- Medical expenses for work-related injuries or illnesses
- Replacement of lost wages during recovery
- Rehabilitation services, such as physical therapy
- Temporary or permanent disability benefits
- Death benefits to dependents after a fatal workplace incident
Policies are focused on occupational exposures and job-site hazards; manufacturers that produce electronic diagnostic equipment may face different handling and testing risks—see Electronic Apparatus Manufacturing Workers Compensation for related guidance. Example risk scenario: a technician injures a hand while operating a precision press during assembly, leading to medical treatment and time off work.
Common Exclusions and Limitations
Standard exclusions typically include injuries from being under the influence of drugs or alcohol, self-inflicted injuries, injuries sustained while committing a crime or willfully violating company policy, and incidents involving independent contractors who aren’t reported on the policy. Underwriting factors and specific policy language determine other limitations.
Factors That Influence Cost
Premiums are influenced by several underwriting factors: payroll and number of employees, job duties and exposure to machinery or hazardous materials, state regulations and classification codes, the company’s safety program and claims history, and any applicable experience modification rate. Implementing formal safety training, machine guarding, and a return-to-work program can help manage costs over time.
Proof of Insurance & Compliance
Most states require employers to carry workers’ compensation and to provide proof of coverage, commonly via a certificate of insurance. Certificates may be needed for audits, licensing, or contracts. Maintaining accurate classification and reporting helps ensure compliance; for more information specific to this classification, see Medical Instrument Manufacturing Workers Compensation (Class Code 3572).
How to Get a Quote
Start by collecting payroll totals by job class, a recent loss run or claims history, and a description of operations. An insurer or broker will review underwriting factors and recommend appropriate limits and options. Our team can help you find a policy that fits your needs and state requirements. Get a workers' comp quote today.
Frequently Asked Questions
What is class code 3572?
Class code 3572 is used to categorize businesses involved in manufacturing medical and surgical instruments for workers’ compensation insurance purposes.
Is workers' compensation required for all employees?
In most states, yes—workers' comp is required for employees. Some small-business exceptions and variations by state may apply.
Does this coverage include independent contractors?
No—independent contractors are typically not covered unless they are specifically included and reported on the policy.
How can I lower my workers’ comp costs?
Maintain a proactive safety program, accurately classify employees, reduce claim frequency, and implement return-to-work plans to help lower premiums over time.
What happens if I don’t carry workers’ comp insurance?
Failing to carry required coverage can result in fines, penalties, and direct liability for workplace injuries, depending on state law.
Still have questions? Talk to a local insurance expert.