The categories below are broad consumer-friendly industry labels. The exact policy classification can be more specific and can differ by state, employee duties and operating details. Click an example to load a plain-English description into the helper.
An industry label is a convenient starting point. A workers’ comp class code can be narrower and may depend on the exact operation, employee duties and state rules. A company can also have more than one classification. That is why this directory uses broad labels for navigation and then asks for the business name, state and work description before suggesting a match.
Does every employee in a business use the same workers’ comp class code?
Not necessarily. Separate employee duties or operations can be classified differently when the applicable rules allow it.
Can I choose the lowest-rate class that sounds close?
No. The classification should reflect the actual work. Use the tool to identify a likely starting point, then confirm the policy classification with the insurer or licensed agent.
Why are these only broad industries?
10 Second Quotes currently estimates cost for a focused set of common small-business categories. The helper maps plain-English descriptions into those supported categories rather than claiming to assign every possible workers’ comp class.