Workers' Compensation · Fabrication Shops
Workers' Compensation is the single largest premium line for most fabrication shops — and the line most likely to be wrong. If your crew works in a controlled shop environment and your WC is coded to construction, you're overpaying. We fix that, and we recover what you've already paid.
The Classification Problem
Workers' Comp class codes were standardized in 1978 — long before experiential marketing or event fabrication existed. Underwriters default to the closest construction code. That mistake compounds every year until someone fixes it.
The key distinction is the work environment. Your shop is a controlled, private space — your crew knows the layout, the equipment, the workflow, the housekeeping standards. A construction site is an open, variable, multi-trade environment with meaningfully higher loss exposure. You should not be paying construction rates for shop-based work.
Our Approach
Correcting a Workers' Comp classification isn't just about the rate. It changes your audit basis, your carrier appetite, and your renewal trajectory for years to come.
We review every job function in your operation and map each to the correct WC class code — separating shop fabrication from install, and install from any incidental construction-adjacent work.
We build a detailed operations narrative that explains your shop environment, safety controls, and workflow in the language underwriters use. A clear story changes the outcome.
When classification disputes require it, we petition the relevant rating board — including the NYCIRB for New York operations — to formally correct your classification codes.
A corrected classification can unlock refunds for prior policy years where you were overcharged. We connect clients with specialized services that pursue those recoveries.
Tell us about your shop, your clients, and your project scope. We'll start with the story — and build the program from there.
robert.jacobs@experientialrisk.com · NJ License #9467756 · Nationwide