Class code 3110 covers forging works and blacksmithing operations — shops that heat, hammer, press and finish ferrous and non-ferrous metal stock. The September 1, 2026 approved pure premium rate is $6.180 per $100 of payroll, a baseline insurers use to price policies for these higher-risk metal‑forming activities.
This classification applies to businesses that shape metal by heating and mechanically deforming it: open-die and closed-die forging, drop-hammer and power-hammer operations, press forging, upsetting, hand-forging by blacksmiths, and associated grinding and finishing of forged pieces. It includes use of coal, gas or electric furnaces and induction heaters to bring steel, iron, bronze and other alloys to forging temperature, plus use of anvils, tongs, dies, presses, hammers and allied tooling. The code covers both industrial production shops making parts and smaller artisan blacksmith shops doing custom or restoration work, as well as equipment maintenance and tooling setup activities directly tied to forging operations. Foundry casting of molten metal is not the primary activity for 3110; pouring molten metal belongs to foundry classifications, whereas 3110 focuses on hot working and mechanical deformation of solid metal stock.
The approved pure premium rate of $6.180 per $100 of payroll is the insurer's estimated cost for expected claim payments and loss adjustment for this class before expense loadings and modifiers. Insurers multiply this base rate by an employer's reported payroll (in $100s) to get the pure premium; the final premium is then adjusted by the employer's experience modification, policy expenses, schedule ratings, group discounts and any deductible or retrospective rating programs. Factors that change the premium include actual claim frequency/severity (experience mod), payroll misclassification, safety programs, and participation in group rating or loss‑control programs.
Cal/OSHA requires employers engaged in forging and blacksmithing to implement machine guarding, lockout/tagout for press and hammer maintenance, appropriate ventilation for fumes and grinding dust, and hearing conservation where noise exceeds limits. Employers must also provide heat illness prevention where workers are exposed to high temperatures, hazard communication for metal and chemical exposures, respiratory protection programs when engineering controls are insufficient, and training on hot work, PPE and emergency first aid for burns.
A PEO like Key HR helps employers in class code 3110 by ensuring accurate classification and payroll reporting, implementing targeted loss‑control plans (machine guarding audits, fume capture, heat‑stress protocols), and managing claims and return‑to‑work to reduce experience modification. Key HR can also coordinate training, respiratory and hearing programs, OSHA recordkeeping, and access to group rating or large-account pricing to help lower workers' comp costs for forging operations.
Get a QuoteUse 3110 when your primary operation is heating and mechanically deforming solid metal (open- or closed-die forging, power hammers, presses, and blacksmith hand forging). Foundry pouring of molten metal, stamping, or primarily machining work may fall into other class codes. Accurate job descriptions and payroll splits by operation are essential; a PEO or broker can review operations and payroll to assign the correct code.
Prioritize engineering controls: proper machine guarding, automatic die shields, secure hoisting and rigging, local exhaust ventilation at furnaces and grinding stations, and anti-vibration tools. Combine those with administrative controls—hot work permits, confined space procedures, heat‑illness plans, training on safe forging techniques—and consistent PPE use (heat‑resistant gloves, face shields, respirators and hearing protection).
Yes. A documented safety program that reduces frequency and severity of claims will lower your experience modification over time, which directly reduces premium. Additional levers include participating in group rating, using Return‑to‑Work programs to limit indemnity costs, and working with a PEO like Key HR to implement targeted loss control and claims management.
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