What is Mobile Home Manufacturing Workers Compensation (class code: 2797)?
Mobile Home Manufacturing Workers Compensation (class code: 2797) is the workers’ compensation coverage designed for businesses that build, assemble, or modify mobile/modular homes. This policy pays medical expenses and wage replacement for employees injured on the job, and it protects employers from many work-related disability claims. It sits alongside related coverages like product liability and commercial liability when operations also expose the business to customer or third-party claims.
Who needs it
Manufacturers, component suppliers, on-site assemblers, and contractors working for mobile home builders typically need class code 2797 coverage. Smaller shops and larger plants alike should consider it — even businesses that make cabinetry or millwork for mobile homes can have similar exposures (see Workers Comp Class Code 2812). This coverage is commonly purchased alongside property protection and equipment coverage to address factory and shop risks.
What it typically covers
Standard workers’ comp for mobile home manufacturing generally includes:
- Medical care for on-the-job injuries and illnesses
- Partial wage replacement for employees unable to work
- Death benefits to dependents in fatal work-related incidents
- Rehabilitation services and return-to-work programs
Operations that also make furniture or mattresses for units may carry similar exposures; see a related example for Mattress Manufacturing Workers Compensation. A common risk scenario is an assembly-line injury or a lifting incident during delivery that triggers both medical and wage replacement claims.
Common exclusions or limitations
Typical exclusions include injuries that occur off the job, intentional self-harm, or injuries sustained by independent contractors who are not classified as employees. Policies may also limit coverage for certain high-risk operations unless those tasks are specifically disclosed and rated. Product recalls, subcontractor liabilities, and some transportation risks often require separate policies or endorsements.
Factors that influence cost
Insurers look at payroll size, employee classifications, claims history, and the level of automation in the facility. Higher-risk activities—heavy metalwork, roof assembly, or frequent loading/unloading—raise rates. Underwriting factors also include safety programs, return-to-work plans, and whether the business uses outside installers or subcontractors (compare classifications such as Pattern or Model Manufacturing Workers Compensation (class code: 2790) where applicable).
Proof of insurance & compliance
Employers typically must post workers’ compensation notices and provide certificates of insurance to customers, landlords, or municipal authorities when requested. Many contracts and permits require current proof of coverage. Maintain payroll records and employee classifications, since audits may be performed at renewal to confirm accurate reporting.
How to get a quote
To get a quote, gather recent payroll figures by classification, a summary of operations, and your loss history. You can also talk to your agent to review needed limits, endorsements, and any required certificates — or use this link to talk to your agent. An agent can help match workers’ comp with complementary policies like equipment coverage and commercial general liability for broader protection.
Frequently Asked Questions
Do subcontractors need to be covered under my policy?
Generally, subcontractors who qualify as independent contractors should carry their own workers’ comp. If they meet your state’s definition of an employee, they must be included. Check contract terms and verify certificates of insurance.
Will my premium increase after a claim?
Claims can affect your experience modification factor and may raise premiums over time, but insurers also consider long-term loss trends and your safety programs during renewal.
Are delivery drivers covered under class code 2797?
Employees who drive as part of regular duties may be covered under your workers’ comp, but commercial auto exposures and liability while in transit often require separate auto insurance.
Still have questions? Talk to a local insurance expert.