Store - Furniture & Drivers
Michigan Workers' Compensation Class Code 8044 • NCCI • Effective 2025-01-01
Current Rate
$1.75
per $100 of payroll
NCCI 2025-01-01
What is Class Code 8044?
Class code 8044 covers furniture store retail operations and their drivers, including showroom sales, delivery, and assembly services. Work involves customer service, furniture display, delivery driving, and in-home furniture assembly. Hazards include musculoskeletal strain from moving heavy furniture, motor vehicle accidents for delivery drivers, and customer home delivery injuries.
Who is Covered Under This Code?
Furniture sales associates, delivery drivers, and assembly technicians.
Tips to Reduce Your Premium
- Two-person lift requirements for heavy furniture reduce back injury claims
- MVR checks are essential for delivery drivers
- Separate warehouse operations under code 8292 if applicable
Real-World Examples
For class code 8044, real-world examples include: A furniture showroom in Boca Raton with a dedicated delivery team serving residential customers. A large furniture retailer in Jacksonville offering assembly services and white-glove delivery.
Common Claim Scenarios
Common workers' comp claims for class code 8044 often involve: Back strains and sprains from lifting and moving heavy furniture, often severe. Lacerations or crush injuries to hands and feet during furniture assembly or delivery. Vehicle accidents during delivery, leading to whiplash or fractures.
Safety & Loss Prevention
- Provide comprehensive training on safe lifting and moving techniques for heavy furniture.
- Ensure proper use of dollies, hand trucks, and other moving equipment.
- Implement defensive driving training for delivery personnel and regular vehicle maintenance.
- Require employees to wear appropriate safety footwear to prevent foot injuries.
Rate Comparison by State
Frequently Asked Questions
What is workers comp class code 8044?
Class code 8044 covers furniture store retail operations and their drivers, including showroom sales, delivery, and assembly services. Work involves customer service, furniture display, delivery driving, and in-home furniture assembly. Hazards include musculoskeletal strain from moving heavy furniture, motor vehicle accidents for delivery drivers, and customer home delivery injuries.
What is the workers comp rate for class code 8044 in Michigan?
The current workers' compensation rate for class code 8044 in Michigan is $1.75 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 8044?
Furniture sales associates, delivery drivers, and assembly technicians.
How can I reduce my workers comp premium for class code 8044 in Michigan?
Two-person lift requirements for heavy furniture reduce back injury claims MVR checks are essential for delivery drivers Separate warehouse operations under code 8292 if applicable
Do I need workers comp insurance for employees classified under code 8044 in Michigan?
Yes. Michigan requires most employers to carry workers' compensation insurance for their employees. Class code 8044 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 8044 in MI.
Quick Facts
- Class Code
- 8044
- State
- Michigan
- Rate per $100
- $1.75
- Rating Org
- NCCI
- Effective
- 2025-01-01
Related Class Codes
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