Class code 3685: Instrument Mfg
Class 3685 is the NCCI workers' comp code for “Instrument Mfg”.
The facts
- Official wording (NCCI)
- Instrument Mfg
- Industry group (our dictionary)
- Manufacturing—Metal & Machine
- Hazard group
- B
- State codes that differ
- CA 3681 · DE 0487 · PA 0487
- Line
- Workers' comp
What it means
Class 3685 is the code carriers use to rate workers' comp payroll for this kind of work.
NCCI hazard group B, on a scale from A (least severe claims) to G (most severe).
Some states use their own code for this work: California 3681, Delaware 0487, Pennsylvania 0487.
Who writes class 3685, state by state
From our live eligibility engine, refreshed every day (page updated November 1, 2026). It shows who has appetite, not a price. The final decision is always the carrier's underwriter.
Instant quote available 47
By email or underwriter only 0
No market listed yet 0
State fund only 4
North Dakota (North Dakota Workforce Safety & Insurance) · Ohio (Ohio Bureau of Workers' Compensation) · Washington (Washington Department of Labor & Industries) · Wyoming (Wyoming Department of Workforce Services)
Carriers with appetite for class 3685
- Travelers · 47 states · instant quote
- biBERK · 46 states · instant quote
- Employers · 45 states · instant quote
- AmTrust · 43 states · instant quote
- CopperPoint · 19 states · instant quote
- Normandy Harbor Insurance Company · 19 states · instant quote
- Chubb · 47 states
- Clear Spring · 47 states
- FCBI · 47 states
- Key Risk · 47 states
- PIE- Sirius America Insurance Company · 47 states
- V3- National Liability & Fire Insurance Company · 47 states
- Ascendant Commercial Insurance · 46 states
- Trean / 7710 Insurance · 46 states
- Trean / American Liberty Insurance Company · 46 states
- Amerisafe · 28 states
- Omaha National · 28 states
- Hartford · 17 states
- Accident Insurance Company · 15 states
- AIG · 7 states
- Accident Fund Insurance Company Of America · 5 states
- FUBA · 1 state
What does class code 3685 cover?
Class 3685 is the NCCI workers' comp code for “Instrument Mfg”. Carriers use it to rate the payroll of people doing this kind of work. It sits in NCCI hazard group B.
Who writes class code 3685 workers' comp?
In our live appetite data (updated November 1, 2026), 22 carriers have appetite for class 3685 in at least one state, and 6 of them quote it instantly. An instant quote is available in 47 states. The final decision is always the carrier's underwriter.
Does every state use class code 3685?
No. In our dictionary these states use their own code for this work: California 3681, Delaware 0487, Pennsylvania 0487. North Dakota, Ohio, Washington and Wyoming write workers' comp through the state fund.