Manufacturing workers compensation in Texas
Texas is an NCCI loss-cost state, so class-by-class Manufacturing rates are available only via NCCI subscription, not in public filings. As a national reference, Manufacturing workers comp runs a median of $1.46 per $100 of payroll, with a range of $0.056 to $34.79 across reporting states. Texas caps weekly benefits at $1,271 with a 1-year statute of limitations. Verified 2026-05-09.
Manufacturing rate context for Texas
Texas does not publish class-by-class loss costs publicly, but Manufacturing rates from comparable reporting states give you a useful planning range. Use the national rate range below as a baseline; your actual quote depends on payroll size, loss history, and your specific NCCI class code.
| Manufacturing class code | Typical occupation | National median | National range |
|---|---|---|---|
| 6872 | Ship Building | $1.46 | $0.056 - $34.79 |
| 3081 | Automobile Mfg. | $1.46 | $0.056 - $34.79 |
| 3085 | Aircraft Mfg. | $1.46 | $0.056 - $34.79 |
| 1710 | Stone Cutting or Polishing | $1.46 | $0.056 - $34.79 |
| 3082 | Truck, Trailer or Bus Mfg. | $1.46 | $0.056 - $34.79 |
| 1803 | Plaster/Plaster Board Mfg. | $1.46 | $0.056 - $34.79 |
| 6801 | Boat Building - wood | $1.46 | $0.056 - $34.79 |
| 6845 | Boat Building | $1.46 | $0.056 - $34.79 |
| 1701 | Cement Manufacturing | $1.46 | $0.056 - $34.79 |
| 2111 | Malt House Operation | $1.46 | $0.056 - $34.79 |
Texas compliance for Manufacturing employers
Coverage threshold
Workers' compensation coverage is generally optional for private employers in Texas.
1099 vs W-2 in Manufacturing
Texas uses the common law test to determine if a 1099 contractor is an employee; if found to be an employee, they must be covered by a subscribing employer.
Owner exclusion
Allowed in Texas. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,271 at 70% of average weekly wage, effective 2025-10-01.
Statute of limitations
1 year from injury date in Texas.
Audit window
Texas carriers audit payroll within 90 days of policy expiration. Keep Manufacturing payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Texas workers comp overview · Manufacturing cross-state rate comparison · Texas workers comp lawyer guide · Texas settlement chart
Estimate your Manufacturing premium in Texas
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Estimate your workers comp premium
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Filing checklist for Manufacturing businesses in Texas
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Step 1, Confirm coverage threshold
Workers' compensation coverage is generally optional for private employers in Texas. For Manufacturing operations, this typically applies once you make a first W-2 hire, even part-time.
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Step 2, Pick the right class code
Manufacturing businesses typically use codes like 6872, 3081, 3085. The wrong code can cost 4 to 10x more or get reclassified at audit. Across reporting states, Manufacturing median rates run $1.46 per $100 with a range of $0.056 to $34.79.
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Step 3, Get a quote
Texas Mutual Insurance Company is one option in Texas; private carriers (Travelers, Hartford, Liberty Mutual, AmTrust) also write coverage. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
If a general contractor is a subscriber, they can be held liable for injuries to employees of an uninsured subcontractor if the subcontractor is performing work that is part of the general contractor's usual trade or business. Manufacturing operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
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Step 5, Annual audit
Carriers audit payroll within 90 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Manufacturing class allocation can shift if any worker spends more than 50% of time on a different code.
Manufacturing workers comp FAQs in Texas
Why aren't Manufacturing workers comp rates published for Texas?
Texas uses NCCI for workers comp ratemaking. NCCI loss-cost data for this state is published only to NCCI subscribers, not in public state insurance department filings. For a national reference, Manufacturing median rates run $1.46 per $100 of payroll across all reporting states, with a typical range of $0.056 to $34.79.
How can a Manufacturing business in Texas get a real quote?
Get a quote from any private carrier licensed in Texas or the state fund (Texas Mutual Insurance Company). Provide your annual payroll, ownership structure, and your current Manufacturing class code. Most carriers will return a binding quote within 24-48 hours. Schedule credits up to 25% are typical for low-loss accounts.
Are Manufacturing 1099 contractors covered by workers comp in Texas?
Texas uses the common law test to determine if a 1099 contractor is an employee; if found to be an employee, they must be covered by a subscribing employer.
What is the maximum weekly benefit for an injured Manufacturing worker in Texas?
Texas caps weekly workers comp benefits at $1,271 (effective 2025-10-01), calculated as 70% of the average weekly wage. Manufacturing workers are subject to the same statutory cap as workers in any other industry.
How long does a Manufacturing worker have to file a comp claim in Texas?
The statute of limitations in Texas is 1 year from the date of injury. Most claims also require notice to the employer within 30 days. Manufacturing workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Manufacturing business owner exclude themselves from comp coverage in Texas?
Yes, Texas allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Manufacturing owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.