What is Printed Circuit Board Manufacturing Workers Compensation (class code: 3577)?
Workers' compensation for printed circuit board (PCB) manufacturing covers medical costs and wage replacement for employees injured on the job in facilities that design, assemble, or produce PCBs. This class code groups operations with specific exposures such as machine operation, soldering, chemical handling, and electrical testing. Policies may be part of a broader risk program that includes commercial liability, property coverage, and equipment coverage to protect the business and its workforce.
Who needs it
PCB manufacturers, contract assemblers, electronics subcontractors, and small-scale operators who employ assembly-line workers or technicians typically need this coverage. Businesses that also design electronic modules or integrate PCBs into finished products often share similar exposures with related industries — for example, Electronic Apparatus Manufacturing Workers Compensation can be a relevant comparison for underwriters. Larger facilities that make power supplies or control panels may face overlapping risks similar to Power Supply Manufacturing Workers Compensation (Class 3573) and Electric Power and Control Panel Manufacturing Workers Compensation.
What it typically covers
Standard workers’ compensation covers medical treatment, temporary or permanent disability benefits, and death benefits for covered employees. Coverage generally applies to on-site injuries from machinery, burns from soldering or hot equipment, repetitive strain from assembly work, and occupational illnesses tied to chemical exposure. Employers should also consider commercial auto exposure for deliveries and participant accident coverage if they run training or on-site demonstrations.
Common exclusions or limitations
Typical exclusions include injuries occurring outside the scope of employment, intentional self-harm, and independent contractor injuries unless the employer has specifically covered them. Policies may limit coverage for certain occupational illnesses or require specific safety programs for chemical handling to qualify for full benefits. Some policies exclude non-occupational illnesses or damage from poor maintenance of personal protective equipment.
Factors that influence cost
Underwriting factors include payroll, number of employees, claims history, safety programs, and the degree of automation. High-risk operations (frequent hot work, hazardous chemicals, or manual threading and soldering) generally carry higher premiums. Investment in loss control — machine guards, ventilation, ESD controls, and formal training — can reduce rates. Insurers also compare your operations with similar classes such as Electronic Apparatus Manufacturing Workers Compensation when setting terms.
Proof of insurance & compliance
Most states require proof of workers’ compensation coverage for employees. Typical proof is a certificate of insurance or state-specific filings. Keep documentation accessible for contractors, landlords, or regulatory inspections. If you perform work on electrical panels or power systems, insurers may reference guidelines similar to those used for Electric Power and Control Panel Manufacturing Workers Compensation when assessing exposures.
How to get a quote
Gather payroll estimates by job class, a summary of operations, safety program details, and recent loss runs. Compare carriers that specialize in manufacturing risks and ask about bundled options that include property and equipment coverage. To move forward quickly, talk to your agent and they can submit applications and negotiate terms on your behalf.
Frequently Asked Questions
Do part-time or seasonal workers need coverage?
Yes. Most state laws require coverage for part-time and seasonal employees if they meet payroll or hours thresholds; check with your carrier for state-specific rules.
Can I insure independent contractors?
Independent contractors are not automatically covered. You can arrange coverage or require contractors to carry their own workers’ comp; review contract language and confirm certificates of insurance.
Will premiums rise after a claim?
Claims can affect future premiums through experience modification factors. Strong return-to-work programs and documented safety measures can help mitigate rate increases.
Still have questions? Talk to a local insurance expert.