Automobile Body Mfg
Michigan Workers' Compensation Class Code 3240 • NCCI • Effective 2025-01-01
Current Rate
$2.20
per $100 of payroll
NCCI 2025-01-01
What is Class Code 3240?
Class code 3240 covers automobile body manufacturing, including the production of vehicle body panels, frames, and structural components. Work involves stamping, welding, and finishing metal body components.
Who is Covered Under This Code?
Stamping press operators, welders, and body panel fabricators.
Tips to Reduce Your Premium
- Stamping press guarding is critical — these machines cause severe injuries
- Welding fume control is important in body manufacturing
Real-World Examples
This code applies to large-scale automotive manufacturing plants in Florida that produce car and truck bodies, such as a facility in Jacksonville specializing in commercial vehicle body fabrication, or a medium-sized plant near Orlando that manufactures specialty vehicle bodies like ambulances or recreational vehicles. It also covers smaller, independent shops that focus solely on fabricating custom body panels or structural components for the automotive industry.
Common Claim Scenarios
Common claims involve lacerations and crush injuries from operating stamping presses and other heavy machinery, often resulting in severe hand or arm trauma requiring surgery. Welders frequently experience eye injuries from arc flashes and burns from hot metal, ranging from minor irritation to permanent vision damage. Musculoskeletal disorders like back strains and carpal tunnel syndrome are also prevalent due to repetitive tasks and heavy lifting.
Safety & Loss Prevention
- Implement strict lockout/tagout procedures for all machinery during maintenance and repairs to prevent accidental startups.
- Ensure all employees operating stamping presses and other fabrication equipment wear appropriate personal protective equipment, including cut-resistant gloves and steel-toed boots.
- Provide comprehensive training on proper lifting techniques and utilize mechanical aids to reduce strain from manual material handling.
- Install automated welding screens and enforce the use of welding helmets with appropriate shade levels to protect against arc flash and UV radiation.
Rate Comparison by State
Frequently Asked Questions
What is workers comp class code 3240?
Class code 3240 covers automobile body manufacturing, including the production of vehicle body panels, frames, and structural components. Work involves stamping, welding, and finishing metal body components.
What is the workers comp rate for class code 3240 in Michigan?
The current workers' compensation rate for class code 3240 in Michigan is $2.20 per $100 of payroll, as set by NCCI effective 2025-01-01. Your actual premium will also depend on your experience modification factor (EMR) and the carrier you choose.
Who is covered under class code 3240?
Stamping press operators, welders, and body panel fabricators.
How can I reduce my workers comp premium for class code 3240 in Michigan?
Stamping press guarding is critical — these machines cause severe injuries Welding fume control is important in body manufacturing
Do I need workers comp insurance for employees classified under code 3240 in Michigan?
Yes. Michigan requires most employers to carry workers' compensation insurance for their employees. Class code 3240 employees must be covered. Penalties for non-compliance in Michigan can be severe, including stop-work orders and fines. Contact Bright Coast Insurance at (239) 323-0785 for a fast, competitive quote.
Rates shown are advisory loss costs or assigned risk rates as of the effective date listed. Your actual workers' compensation premium will depend on your specific payroll, experience modification factor (EMR), carrier selection, and other underwriting factors. Contact Bright Coast Insurance for an accurate quote tailored to your business.
Premium Estimator
Enter your annual payroll to estimate your base premium for code 3240 in MI.
Quick Facts
- Class Code
- 3240
- State
- Michigan
- Rate per $100
- $2.20
- Rating Org
- NCCI
- Effective
- 2025-01-01
Related Class Codes
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