Workers Compensation Class Codes

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Workers Compensation Class Codes Lookup

Workers Compensation Class Codes

Workers Compensation Class Codes. These are the often three or often four-digit numerical codes assigned to several hundred businesses and job types. The codes were developed by the National Council on Compensation Insurance (NCCI).

The codes you see are a representation of mainly professionals and often owner operator businesses who may be exposed to various work-related injuries or if their work could make them ill.

Workers compensation class codes are used to determine precisely how risky a business is to insure. It is also used to precisely determine how much a small business can be insured and what to charge for the workers comp coverage.

Note: This article discusses the standard NCCI workers comp class codes. 35 states use them and 10 other states have slightly modified versions of the standard NCCI class codes. 5 states have totally created their own classification systems to evaluate workers compensation risks: California, Delaware, New Jersey, New York and Pennsylvania.

Workers compensation class codes are used by insurers to use to classify a business' employees exposure to risk and the resulting workers comp rates which determine the insurance premium paid.

Below are some answers to commonly asked workers compensation class codes questions:


Why Do Workers Compensation Class Codes Exist?

The codes are necessary because they are used to mainly help distribute the overall cost of workers' compensation insurance. The cost is distributed amongst employers. For instance:

  • Businesses in industries where workers are more likely to get sick or injured are likely to pay more than those who have fewer instances or risks associated with them. The only way this is determined is via NCCI class codes.
  • Now, if NCCI codes didn't exist, all businesses will have to pay the same premium, which means that safer companies will end up subsidizing ones that have more risk involved with them. So, that wouldn't be fair.


How Are Workers Comp Rates Calculated?

The workers' compensation rates tend to use a couple of different variables. However, three factors are looked at when calculating them:

The Workers Comp Classification Code

Workers compensation class codes are a description of the type of work being performed. As mentioned previously, the code is mainly associated with the amount of risk, which later determines the compensation rates.

Insurers will use the corresponding class code when trying to figure out their workers' compensation rate. The class code is used to decide what base rate to apply for your particular line of work. The insurer later adjusts the rate mainly depending on the amount of risk associated with the business/industry average.

Payroll

The other factor that's considered is the size of your workforce and the annual payroll associated with it. You should report all payroll activity accurately since the amount declared will accurately reflect your workers' compensation insurance rates.

An insurance service provider will ask for an estimate of your annual payroll. That figure is then used to calculate the estimated premium.

It is important to note that both over and underestimating payroll will significantly impact your company's cash flow when there is a premium audit. Many insurance companies will use the audit to ensure that the estimated premium offered was accurate or if it needs to be adjusted.

We strongly advise that you keep close track on any changes to your payroll. Use the monthly estimate of your payroll for the most accurate figure. If there is new hiring or promotions, make sure to factor that into your final figure.

Experience Modification Factor

Insurers will also look through your history of claims. The insurance company uses an “experience modification factor,” also referred to as an “experience mod,” to find out the best rate to offer. The factor mainly considers the safety of your workplace and that of other similar businesses.

Take, for instance, that an experience mod of 1.0 is the industry average; however, if the figure is higher, that's considered a debit mod. In other words, your losses tend to be greater than what the industry average is, which means your workplace is less safe, and you pay a higher insurance premium as a result.

If the experience mode is below 1.0, that means your business is in the credit mod zone, where your losses are well below the average. Businesses in the credit mod zone enjoy lower premium rates.

Now it is essential to consider that a new business will not have a workers comp claim history. Generally, that will mean your business will need to pay more before being factored into the equation.

Until your business can establish a track record, you pay a higher rate. Once you do have a track record, the insurer will re-evaluate your premium, or you can urge them to.

The one way to improve or influence the experience mod is to promote and practice workplace safety. That will result in far fewer claims, and that means having a better chance of qualifying for a lower premium.

Every factor mentioned above goes into determining what you pay for workers' compensation insurance. Another point to make here is that the rate also varies from one state to the next.


Can A Business Have More Than One Workers Compensation Classification Code?

Workers Comp Class Codes

It isn't uncommon for many small businesses to have several workers compensation class codes.

Take the example of a contractor who would have roofers working for them under the 5551 class code, and then they would have clerical staff under 8810.

However, roofers will face a greater risk of getting injured as compared to the clerical staff; there are insured under different workers comp class codes./p>

This helps insurers determine the overall risk associated with the business.


How Do I Find My NCCI Workers Compensation Class Codes?

Below you can lookup NCCI workers comp class codes. Please note the term 'NOC' means 'Not Otherwise Classified'.

Find your workers compensation classification code by searching for your business type or four digit class code below:

Workers Comp Class Code (NCCI) & Description
0005: Farm - Nursery Employees & Drivers
0008: Farm - Vegetable & Drivers
0016: Farm - Orchard or Grove & Drivers
0034: Farm - Poultry or Egg Producer & Drivers
0035: Farm - Florist & Drivers
0036: Farm - Dairy & Drivers
0037: Farm - NOC & Drivers
0042: Landscape Gardening & Drivers
0050: Farm Machinery Operation - By Contractor & Drivers
0079: Farm - Berry or Vineyard & Drivers
0083: Farm - Cattle or Livestock Raising NOC & Drivers
0106: Tree Pruning, Spraying, Repairing - All Operations & Drivers
0113: Farm - Fish Hatchery & Drivers
0170: Farm - Animal Raising & Drivers
0251: Irrigation Works Operation & Drivers
0401: Cotton Gin Operation & Local Managers, Drivers
0908: Domestic Workers - Residences - Part-Time
0913: Domestic Workers - Residences - Full-Time
0917: Residential Cleaning Services by Contractor - Inside
1005: Coal Mining - Surface & Drivers
1016: Coal Mining - NOC
1164: Mining NOC - Not Coal - Underground & Drivers
1165: Mining NOC - Not Coal - Surface & Drivers
1169: Kaolin Mining - Surface & Drivers
1320: Gas or Oil - Lease Operator - Natural Gas - All Operations & Drivers
1322: Oil or Gas - Well - Cleaning or Swabbing of Wells - By Specialist Contractor - No Drilling & Drivers
1430: Smelting, Sintering, or Refining - Lead & Drivers
1438: Smelting, Sintering, or Refining - Metals - Not Iron or Lead NOC & Drivers
1452: Ore Milling & Drivers
1463: Coal Billet or Briquet Manufacturing & Drivers
1472: Distillation - Wood & Drivers
1473: Turpentine or Resin Manufacturing - Steam or Nondestructive Process & Drivers
1604: Quarry - Dimension Stone & Drivers
1624: Quarry NOC & Drivers
1642: Lime Manufacturing
1654: Quarry - Cement Rock - Surface & Drivers
1699: Rock Wool Manufacturing
1701: Cement Manufacturing
1710: Stone Crushing & Drivers
1741: Flint or Spar Grinding & Drivers
1747: Clay Milling & Drivers
1748: Abrasive Wheel Manufacturing & Drivers
1751: Kaolin Milling & Drivers
1803: Stonecutting or Polishing NOC & Drivers
1853: Mica Goods Manufacturing & Mica Preparing
1924: Wire Drawing or Cable Manufacturing
1925: Die Casting Manufacturing
2002: Pasta or Noodle Manufacturing
2003: Bakery - Salespersons & Drivers
2014: Grain or Feed Milling
2016: Cereal or Bar Manufacturing
2021: Sugar Manufacturing or Refining From Sugar Cane or Sugar Beets
2039: Ice-Cream Manufacturing & Drivers
2041: Candy, Chocolate, and Confection Manufacturing
2065: Milk Products Manufacturing NOC
2070: Dairy or Creamery & Route Supervisors, Drivers
2081: Slaughtering
2089: Packing House - All Operations
2095: Meat Products Manufacturing NOC
2105: Fruit Packing
2110: Pickle Manufacturing
2111: Cannery NOC
2112: Fruit Evaporating or Preserving
2114: Clam Digging
2121: Brewery & Drivers
2130: Distillery - Spirituous Liquor
2131: Spirituous Liquor Bottling
2143: Winery & Drivers
2157: Beverage Manufacturing - Carbonated - All Operations, Route Supervisors, & Drivers
2172: Tobacco Products Manufacturing NOC
2174: Tobacco - Rehandling or Warehousing
2211: Wool Combing or Scouring
2220: Carpet or Rug Manufacturing - Jute or Hemp
2286: Yarn Manufacturing - Wool
2288: Felting Manufacturing
2302: Thread or Yarn Manufacturing - Silk
2305: Textile Fiber Manufacturing - Synthetic
2361: Hosiery Manufacturing
2362: Knit Goods Manufacturing NOC
2380: Braid or Fringe Manufacturing
2388: Embroidery Manufacturing
2402: Rug or Carpet Manufacturing NOC
2413: Cloth Printing - Silk Screen Process - Machinery Operations
2416: Thread or Yarn Dyeing or Finishing
2417: Cloth Printing
2501: Umbrella Manufacturing
2503: Tailoring or Dressmaking - Custom Exclusively
2534: Hair Goods Manufacturing
2570: Mattress or Box Spring Manufacturing
2585: Laundry NOC & Route Supervisors, Drivers
2586: Cleaning or Dyeing & Route Supervisors, Drivers
2587: Toilet or Towel Supply Co & Route Supervisors, Drivers
2589: Dry Cleaning and Laundry Store - Retail & Route Supervisors, Drivers
2600: Fur Processing - Preparing Skins
2623: Leather Manufacturing - Including Tanning, Leather Embossing, and Wool Pulling
2651: Shoe Stock Manufacturing
2660: Shoe or Boot Manufacturing NOC
2670: Glove Manufacturing - Leather or Textile
2683: Luggage Manufacturing
2688: Leather Goods Manufacturing NOC
2701: Logging or Tree Removal - Log Hauling & Drivers
2702: Logging or Tree Removal - Nonmechanized Operations
2705: Logging or Tree Removal - Pulpwood Only
2709: Logging or Tree Removal - Mechanized Equipment Operators
2710: Sawmill
2714: Veneer Manufacturing
2731: Planing or Molding Mill
2735: Furniture Stock Manufacturing
2759: Pallet, Box or Box Shook Manufacturing - Wooden
2790: Wood Carving - By Hand or Machine
2797: Manufactured, Modular, or Prefabricated Home Manufacturing - Shop Work - All Operations & Drivers
2799: Manufactured, Modular, or Prefabricated Home Setup, Hookup, or Installation at Building Site
2802: Carpentry - Shop Only & Drivers
2835: Brush or Broom Assembly
2836: Brush or Broom Manufacturing NOC
2841: Wood Turned Products Manufacturing NOC
2881: Furniture Manufacturing and Cabinet Shop - Assembly by Hand - Wood
2883: Furniture Manufacturing and Cabinet Shop - Wood - NOC
2915: Veneer Products Manufacturing
2916: Veneer Products Manufacturing
2923: Musical Instrument Manufacturing - Wood NOC
2960: Wood Preserving & Drivers
3004: Iron or Steel - Manufacturing - Steelmaking & Drivers
3018: Iron or Steel - Manufacturing - Rolling Mill & Drivers
3022: Pipe or Tube Manufacturing NOC & Drivers
3027: Pipe or Tube Manufacturing - Lead & Drivers
3028: Pipe or Tube Manufacturing - Iron or Steel & Drivers
3030: Iron or Steel - Fabrication - Ironworks or Steelworks - Shop - Structural & Drivers
3040: Iron or Steel - Fabrication - Ironworks - Shop - Ornamental & Drivers
3041: Iron or Steel - Fabrication - Ironworks - Shop - Decorative or Artistic & Foundries, Drivers
3042: Elevator or Escalator Manufacturing
3064: Sign Manufacturing - Metal
3076: Soda Water Fountain or Apparatus Manufacturing
3081: Foundry - Ferrous - NOC
3082: Foundry - Steel Castings
3085: Foundry - Nonferrous
3110: Tool Manufacturing - Drop or Machine Forged NOC - Forging Includes Trimming
3111: Pipe Bending and Cutting
3113: Tool Manufacturing - Not Drop or Machine Forged NOC
3114: Tool Manufacturing - Drop or Machine Forged NOC - Machining or Finishing of Tools or Die Making Operations
3118: Saw Manufacturing
3119: Needle Manufacturing
3122: Cutlery Manufacturing NOC
3126: Tool Manufacturing - Agricultural, Construction, Logging, Mining, Oil, or Artesian Well
3131: Button or Fastener Manufacturing - Metal
3132: Bolt or Nut Manufacturing
3145: Screw Manufacturing
3146: Hardware Manufacturing NOC
3169: Heater or Radiator Manufacturing
3179: Electrical Apparatus Manufacturing NOC
3180: Lamp or Portable Lantern Manufacturing
3188: Plumbers' Supplies Manufacturing NOC
3220: Can Manufacturing
3224: Enamel or Agate Ware Manufacturing
3227: Aluminum Ware Manufacturing
3240: Wire Rope or Cable Manufacturing - Iron or Steel
3241: Wire Drawing - Iron or Steel
3255: Wire Cloth Manufacturing
3257: Wire Goods Manufacturing NOC
3270: Eyelet Manufacturing
3300: Bedspring or Wire Mattress Manufacturing
3303: Spring Manufacturing
3307: Heat Treating - Metal
3315: Explosives or Ammunition Manufacturing - Cartridge or Shell Case Manufacturing - Metal
3334: Tinfoil Manufacturing
3336: Castings Manufacturing - Metal - Lost Wax Process
3365: Welding or Cutting NOC & Drivers
3372: Metal Finishing
3373: Galvanizing or Tinning - Not Electrolytic
3383: Jewelry Manufacturing
3385: Clock Manufacturing
3400: Metal Stamped Goods Manufacturing NOC
3507: Construction or Agricultural Machinery Manufacturing
3515: Textile - Machinery Manufacturing
3548: Arms Manufacturing NOC
3559: Machine Manufacturing - Confection
3574: Air Pressure or Steam Gauge Manufacturing
3581: Fuel Injection Device Manufacturing
3612: Pump Manufacturing
3620: Boilermaking
3629: Machined Parts Manufacturing NOC
3632: Machine Shop NOC
3634: Valve Manufacturing
3635: Gear Manufacturing or Grinding
3638: Ball or Roller Bearing Manufacturing
3642: Battery Manufacturing - Dry
3643: Electric Power or Transmission Equipment Manufacturing
3647: Battery Manufacturing - Storage
3648: Automotive - Lighting, Ignition, or Starting Apparatus Manufacturing NOC
3681: Television, Radio, Telephone, or Telecommunication Device Manufacturing NOC
3685: Instrument Manufacturing NOC
3719: Oil Still Erection or Repair
3724: Door - Installation - Overhead & Drivers
3726: Boiler - Installation or Repair - Steam
3803: Automobile - Wheel Manufacturing - Metal - Not Cast
3807: Automobile - Radiator Manufacturing
3808: Automobile - Manufacturing or Assembly
3821: Automobile - Recycling & Drivers
3822: Automobile, Bus, Truck or Trailer Body Manufacturing - Die Pressed Steel
3824: Automobile, Bus, Truck or Trailer Body Manufacturing NOC
3826: Aircraft Engine Manufacturing
3827: Automobile - Engine Manufacturing
3830: Airplane Manufacturing
3851: Motorcycle Manufacturing or Assembly
3865: Bicycles - Manufacturing or Assembly
3881: Car Manufacturing - Railroad & Drivers
4000: Sand or Gravel Digging & Drivers
4021: Brick or Clay Products Manufacturing NOC & Drivers
4024: Brick Manufacturing - Fire or Enameled & Drivers
4034: Concrete Products Manufacturing & Drivers
4036: Plasterboard or Plaster Block Manufacturing & Drivers
4038: Dress Form Manufacturing
4053: Pottery Manufacturing - China or Tableware
4062: Pottery Manufacturing - Earthenware - Glazed or Porcelain - Hand Molded or Cast
4101: Glass Manufacturing & Drivers
4109: Integrated Circuit Manufacturing
4110: Electric Bulb Manufacturing
4111: Glassware Manufacturing - No Automatic Blowing Machines
4113: Glass Manufacturing - Cut
4114: Glassware Manufacturing NOC
4130: Glass Merchant
4131: Mirror Manufacturing
4133: Glass Window Manufacturing - Stained
4149: Optical Goods Manufacturing NOC
4206: Pulp Manufacturing - Ground Wood Process
4207: Pulp Manufacturing - Chemical Process
4239: Paper Manufacturing
4240: Box Manufacturing - Set-Up Paper
4243: Box Manufacturing - Folding Paper - NOC
4244: Corrugated or Fiberboard Container Manufacturing
4250: Paper Corrugating or Laminating
4251: Stationery Manufacturing
4263: Fiber Goods Manufacturing
4273: Plastic or Paper Bag Manufacturing
4279: Paper Goods Manufacturing NOC
4282: Boot or Shoe Pattern Manufacturing
4283: Roofing - Paper or Roofing Felt Manufacturing
4299: Printing
4304: Newspaper Publishing
4307: Bookbinding
4351: Photoengraving
4352: Engraving
4360: Motion Picture - Development of Negatives, Printing, and All Subsequent Operations
4361: Photographer - All Employees & Clerical, Salespersons, Drivers
4410: Boot or Shoe Manufacturing - Rubber
4420: Rubber Tire Manufacturing
4431: Magnetic and Optical Recording Media Manufacturing
4432: Pen Manufacturing
4452: Plastics Manufacturing - Fabricated Products NOC
4459: Plastics Manufacturing - Sheets, Rods, or Tubes
4470: Cable Manufacturing - Insulated Electrical
4484: Plastics Manufacturing - Laminated Molded Products NOC
4493: Linoleum Manufacturing
4511: Analytical Laboratories or Assaying - Including Laboratory, Outside Employees, Collectors of Samples, & Drivers
4557: Wax Products Manufacturing
4558: Paint Manufacturing
4568: Salt, Borax, or Potash Producing or Refining & Drivers
4581: Phosphate Works & Drivers
4583: Fertilizer Manufacturing & Drivers
4597: Buffing and Polishing Compounds Manufacturing
4611: Cosmetics Manufacturing
4635: Hydrogen or Oxygen Manufacturing & Drivers
4653: Glue Manufacturing & Drivers
4665: Rendering Works NOC & Drivers
4670: Cottonseed Oil Manufacturing - Mechanical & Drivers
4683: Oil Manufacturing - Vegetable NOC
4686: Oil Manufacturing - Vegetable - Solvent Extraction Process
4692: Dental Laboratory
4693: Pharmaceutical or Surgical Goods Manufacturing NOC
4703: Corn Products Manufacturing
4717: Butter Substitute Manufacturing
4720: Soap or Synthetic Detergent Manufacturing
4740: Oil Refining - Petroleum & Drivers
4741: Asphalt or Tar Distilling or Refining & Drivers
4751: Synthetic Rubber Manufacturing
4771: Explosives or Ammunition Manufacturing NOC & Drivers
4777: Explosives Distributors & Drivers
4825: Extract Manufacturing
4828: Chemical Blending or Mixing NOC - All Operations & Drivers
4829: Chemical Manufacturing NOC - All Operations & Drivers - Includes Blending or Mixing
4902: Sporting Goods Manufacturing NOC
4923: Photographic Supplies Manufacturing
5020: Ceiling Installation - Suspended Acoustical Grid Type
5022: Masonry NOC
5037: Painting - Metal Structures - Over Two Stories in Height & Drivers
5040: Iron or Steel - Erection - Iron - Exterior
5057: Iron or Steel - Erection - NOC
5059: Military Reservation - Construction - Iron or Steel Erection - Not Over Two Stories in Height
5069: Military Reservation - Construction - Iron or Steel Erection - Not Over Two Stories in Height
5102: Door and Window Installation - All Types - Residential and Commercial
5146: Fixtures or Furniture Installation - Portable - NOC
5160: Elevator - Erection or Repair
5183: Plumbing NOC & Drivers
5188: Sprinkler Installation & Drivers
5190: Electrical Wiring - Within Buildings & Drivers
5191: Office Machine Installation, Inspection, Adjustment, or Repair
5192: Vending or Coin Operated Machines - Installation, Service, or Repair & Salespersons, Drivers
5213: Dam or Lock Construction - Concrete Work - All Operations
5215: Concrete Work - Incidental to the Construction of Private Residence
5221: Concrete or Cement Work - Floors, Driveways, Yards, or Sidewalks & Drivers
5222: Concrete Construction in Connection With Bridges or Culverts
5223: Swimming Pool - Construction - Not Iron or Steel & Drivers
5348: Ceramic Tile, Indoor Stone, Marble, or Mosaic Work
5402: Greenhouse Erection - All Operations
5403: Carpentry - NOC
5437: Carpentry - Installation of Cabinet Work or Interior Trim
5443: Lathing & Drivers
5445: Wallboard, Sheetrock, Drywall, Plasterboard, or Cement Board Installation - Within Buildings & Drivers
5462: Glazier - Away From Shop & Drivers
5472: Asbestos Removal Operations - Contractor - Pipe and Boiler Work Exclusively & Drivers
5473: Asbestos Removal Operations - Contractor - NOC & Drivers
5474: Painting NOC & Shop Operations, Drivers
5478: Floor Covering Installation - Resilient Flooring - Carpet and Laminate Flooring
5479: Insulation Work NOC & Drivers
5480: Plastering NOC & Drivers
5491: Paperhanging & Drivers
5506: Street or Road Construction - Paving or Repaving & Drivers
5507: Street or Road Construction - Subsurface Work & Drivers
5508: Street or Road Construction - Rock Excavation & Drivers
5535: Sheet Metal Work - Installation & Drivers
5537: Heating, Ventilation, Air-Conditioning and Refrigeration Systems - Installation, Service and Repair, Shop, Yard & Drivers
5551: Roofing - All Kinds & Drivers
5606: Contractor - Project Manager, Construction Executive, Construction Manager or Construction Superintendent
5610: Cleaner - Debris Removal - Construction
5645: Carpentry - Construction of Residential Dwellings Not Exceeding Three Stories in Height
5651: Carpentry - Construction of Dwellings - Three Stories or Less
5703: Building Raising or Moving
5705: Salvage Operation No Wrecking or Any Structural Operations
5951: Antitoxin, Serum, or Virus Manufacturing & Drivers
6003: Pile Driving
6005: Jetty or Breakwater Construction - All Operations to Completion & Drivers
6017: Dam or Lock Construction - Concrete Work - All Operations
6018: Dam or Lock Construction - Earth Moving or Placing - All Operations & Drivers
6045: Levee Construction - All Operations to Completion & Drivers
6204: Well Drilling - Water & Drivers
6206: Oil or Gas - Well - Cementing & Drivers
6213: Oil or Gas - Well - Specialty Tool & Equipment Leasing NOC - All Employees & Drivers
6214: Oil or Gas - Well - Perforating of Casing - All Employees & Drivers
6216: Gas or Oil - Lease Work NOC - Natural Gas - By Specialist Contractor & Drivers
6217: Excavation & Drivers
6229: Irrigation or Drainage System Construction & Drivers
6233: Oil or Gas - Pipeline Construction & Drivers
6235: Drilling or Redrilling of Oil or Gas Wells & Installation of Casing, Drivers
6236: Oil or Gas - Well - Installation or Recovery of Casing & Drivers
6237: Oil or Gas - Well - Instrument Logging or Survey Work & Drivers
6251: Tunneling - All Operations
6252: Shaft Sinking - All Operations
6306: Sewer Construction - All Operations & Drivers
6319: Steam Mains or Connections Construction & Drivers
6325: Conduit Construction - For Cables or Wires & Drivers
6400: Fence Installation and Repair - Metal, Vinyl, Wood, or Prefabricated Concrete Panel Fence Installed by Hand
6503: Potato Chip, Popcorn & Snack Chip Manufacturing NOC
6504: Food Products Manufacturing NOC
6702: Railroad Construction - All Operations Including Clerical, Salespersons & Drivers - Coverage Under the Federal Employers' Liability Act (FELA) - Program I
6703: Railroad Construction - All Operations Including Clerical, Salespersons & Drivers - Coverage Under the Federal Employers' Liability Act (FELA) - Program II - USL&HW Act Benefits
6704: Railroad Construction - All Operations Including Clerical, Salespersons & Drivers - Coverage Under the Federal Employers' Liability Act (FELA) - Program II - State Act Benefits
6801: Boatbuilding - Wood NOC & Drivers - Coverage Under US Act
6811: Boatbuilding - Wood NOC & Drivers - Coverage Under State Act Only
6824: Boat Building or Repair NOC & Drivers
6826: Marina & Drivers - Coverage Under US Act
6834: Boatbuilding or Repair & Drivers
6836: Marina & Drivers - Coverage Under State Act Only
6843: Shipbuilding - Iron or Steel NOC & Drivers - Coverage Under US Act Only
6845: Shipbuilding - Naval & Drivers
6854: Shipbuilding - Iron or Steel NOC & Drivers - Coverage Under State Act Only
6872: Ship Cleaning - All Operations & Drivers
6874: Ship Scaling Coverage under US Act
6882: Ship Repair Conversion - All Operations & Drivers Coverage under State Act only
6884: Ship Scaling Coverage under State Act only
7016: Vessels NOC - Coverage Under Admiralty Law - Program I
7024: Vessels NOC - Coverage Under Admiralty Law - Program II - State Act Benefits
7038: Yachts - Private - Sail or Power - Coverage Under Admiralty Law - Program I
7046: Vessels - Not Self-Propelled - Coverage Under Admiralty Law - Program I
7047: Vessels NOC - Coverage Under Admiralty Law - Program II - USL&HW Act Benefits
7050: Yachts - Private - Sail or Power - Coverage Under Admiralty Law - Program II - USL&HW Act Benefits
7090: Yachts - Private - Sail or Power - Coverage Under Admiralty Law - Program II - State Act Benefits
7098: Vessels - Not Self-Propelled - Coverage Under Admiralty Law - Program II - State Act Benefits
7099: Vessels - Not Self-Propelled - Coverage Under Admiralty Law - Program II - USL&HW Act Benefits
7133: Railroad Operation NOC - All Employees & Drivers
7151: Railroad Operation - All Employees Including Drivers - Coverage Under the Federal Employers' Liability Act (FELA) - Program I
7152: Railroad Operation - All Employees Including Drivers - Coverage Under the Federal Employers' Liability Act (FELA) - Program II - USL&HW Act Benefits
7153: Railroad Operation - All Employees Including Drivers - Coverage Under the Federal Employers' Liability Act (FELA) - Program II - State Act Benefits
7219: Trucking NOC - All Employees & Drivers
7222: Trucking Oil Field Equipment - All Employees & Drivers
7225: Automobile Towing & Drivers
7228: Trucking Local Hauling Only - All Employees and Drivers
7229: Trucking Long Distance Hauling - All Employees and Drivers
7230: Trucking Parcel or Package Delivery - All Employees & Drivers
7231: Mail, Parcel, or Package Delivery and Courier or Messenger Service Companies - All Employees & Drivers
7232: Trucking Mail, Parcel, or Package Delivery - Under Contract With the US Postal Service - All Employees & Drivers
7309: Stevedoring - NOC
7313: Coal Dock Operation & Stevedoring
7317: Automobile - Haulaway or Driveaway - Driving Autos On or Off Vessels & Drivers
7327: Stevedoring - Containerized Freight & Drivers
7333: Dredging - All Types - Coverage Under Admiralty Law - Program I
7335: Dredging - All Types - Coverage Under Admiralty Law - Program II - State Act Benefits
7337: Dredging - All Types - Coverage Under Admiralty Law - Program II - USL&HW Act Benefits
7350: Freight Handling NOC - Coverage Under US Act
7360: Freight Handling NOC - Coverage Under State Act Only
7370: Taxicab Co - All Other Employees & Drivers
7380: Drivers, Chauffeurs, Messengers, and Their Helpers NOC - Commercial
7382: Bus Co - All Other Employees & Drivers
7383: College or School - School Bus Drivers
7390: Ale or Beer Dealer - Wholesale & Drivers
7394: Salvage Operation Operations - Marine Coverage Under Admiralty Law Program I
7395: Salvage Operation Operations - Marine Coverage Under Admiralty Law Program II - State Act Benefits
7398: Salvage Operation Operations - Marine Coverage Under Admiralty Law Program II - USL&HW Act Benefits
7402: Aviation - Air Traffic Controllers Under Contract With the FAA
7403: Aviation - All Other Employees & Drivers
7405: Aviation - Air Carrier - Scheduled, Commuter, or Supplemental - Flying Crew
7420: Aviation - Aerial Application, Seeding, Herding, or Scintillometer Surveying - Flying Crew
7421: Aviation - Transportation of Personnel in Conduct of Employer's Business - Flying Crew
7422: Aviation - NOC - Other Than Helicopters - Flying Crew
7425: Aviation - Helicopters - Flying Crew
7431: Aviation - Air Charter or Air Taxi - Flying Crew
7502: Gas Distributing - Liquefied Petroleum Gas - Local & Drivers
7515: Oil or Gas - Pipeline Operation & Drivers
7520: Waterworks Operation & Drivers
7538: Electric Light or Power Line Construction & Drivers
7539: Electric Light or Power Co NOC - All Employees & Drivers
7540: Electric Light or Power Cooperative - REA Project Only - All Employees & Drivers
7580: Sewage Disposal Plant Operation & Drivers
7590: Garbage Works
7600: Telecommunications Co - Cable TV, or Satellite - All Other Employees & Drivers
7605: Burglar and Fire Alarm Installation or Repair & Drivers
7610: Television or Radio Broadcasting Station - All Employees & Clerical, Drivers
7611: Telephone or Cable TV Line Installation - Contractors, Underground & Drivers
7612: Telephone or Cable TV Line Installation - Contractors, Overhead & Drivers
7613: Telephone or Cable TV Line Installation - Contractors, Service Lines and Connections & Drivers
7705: Ambulance Service Companies and EMS (Emergency Medical Service) Providers & Drivers
7710: Firefighters & Drivers
7711: Firefighters & Drivers - Volunteer
7720: Police Officers & Drivers
7855: Railroad Construction - Laying or Relaying of Tracks or Maintenance of Way by Contractor - No Work on Elevated Railroads & Drivers
8001: Florist - Store & Drivers
8002: Automobile - Rental Co - All Other Employees & Counter Personnel, Drivers
8006: Grocery, Tea or Coffee Dealer - Retail
8008: Store - Clothing, Wearing Apparel, or Dry Goods - Retail
8010: Store - Hardware
8013: Store - Jewelry
8015: Quick Printing - Copying or Duplicating Service - All Employees & Clerical, Salespersons, Drivers
8017: Store - Retail NOC
8018: Store - Wholesale - NOC
8021: Store - Meat, Fish or Poultry Dealer - Wholesale
8031: Store - Meat, Fish or Poultry - Retail
8032: Store - Dry Goods - Wholesale
8033: Store - Supermarket
8037: Store - Superstores and Warehouse Clubs
8039: Store - Department - Retail
8044: Store - Furniture & Drivers
8045: Store - Drug - Retail
8046: Automobile - Parts and Accessories NOC & Drivers
8047: Store - Drug - Wholesale
8058: Building Material Dealer - New Materials Only - Store Employees
8072: Store - Book, Record, Compact Disc, Software, Video or Audio Cassette - Retail
8102: Bean Sorting or Handling
8103: Cotton Merchant
8106: Iron or Steel - Merchant & Drivers
8107: Contractors Machinery Dealer & Drivers
8111: Plumbers' Supplies Dealer & Drivers
8116: Farm Machinery Dealer - All Operations & Drivers
8203: Ice Manufacturing or Distribution & Drivers
8204: Building Material - Yard & Local Managers, Drivers
8209: Vegetable Packing & Drivers
8215: Feed, Fertilizer, Hay, or Grain Dealer & Local Managers, Drivers - No Manufacturing
8227: Construction or Erection Permanent Yard
8232: Building Material Dealer - New Materials Only - All Other Employees & Yard, Warehouse, Drivers
8233: Coal Merchant & Local Managers, Drivers
8235: Sash, Door, or Assembled Millwork - Dealer & Drivers
8263: Junk Dealer & Drivers
8264: Container Recycling - Bottle or Can & Drivers
8265: Iron or Steel - Scrap Dealer & Drivers
8279: Racetrack Operation - Horse or Dog - Stable Hands or Kennel Employees & Drivers
8288: Livestock Sales Co & Salespersons, Drivers
8291: Warehousing - Cold Storage
8292: Warehousing NOC
8293: Warehousing - Furniture & Drivers
8304: Grain Elevator Operation & Local Managers, Drivers
8350: Gas Dealer - Liquefied Petroleum Gas & Drivers
8380: Automobile - Service or Repair Center & Drivers
8381: Gasoline Station - Self-Service Only - Retail
8385: Automobile - Rental Co - Garage Employees
8392: Automobile Storage Garage, Parking Lot or Parking Station, Valet Service, Cashiers or Counter Personnel & Drivers
8393: Automobile - Body Repair & Drivers
8500: Metal Scrap Dealer & Drivers
8601: Architectural or Engineering Firm - Including Salespersons & Drivers
8602: Surveyors, Timber Cruisers, Oil or Gas Geologists or Scouts, & Drivers
8603: Architectural or Engineering Firm - Clerical
8606: Geophysical Exploration - All Employees & Drivers
8709: Steamship Line or Agency - Port Employees - Talliers, Checking Clerks, and Employees Engaged in Mending or Repacking of Damaged Containers - Coverage Under US Act
8719: Weighers, Samplers, or Inspectors of Merchandise on Vessels or Docks or at Railway Stations or Warehouses Coverage Under State Act Only
8720: Inspection of Risks for Insurance or Valuation Purposes NOC
8721: Real Estate Agency - Outside Employees & Collectors
8723: Insurance Companies - Including Clerical & Salespersons
8725: Inventory Counters - Traveling - Including Salespersons & Clerical
8726: Steamship Line or Agency - Port Employees - Superintendents, Captains, Engineers, Stewards or Their Assistants, Pay Clerks
8734: Salespersons or Collectors - Outside - Program II - State Act Benefits - Coverage Under the Federal Employers' Liability Act (FELA)
8737: Salespersons or Collectors - Outside - Program I - Coverage Under the Federal Employers' Liability Act (FELA)
8738: Salespersons or Collectors - Outside - Program II - USL&HW Act Benefits - Coverage Under the Federal Employers' Liability Act (FELA)
8742: Salespersons or Collectors - Outside
8745: News Agent or Distributor of Magazines or Other Periodicals - Not Retail Dealer & Salespersons, Drivers
8748: Automobile - Salespersons
8755: Labor Union - All Employees
8799: Mailing or Addressing Company or Letter Service Shop - Clerical Staff
8800: Mailing or Addressing Company or Letter Service Shop
8803: Auditor, Accountant, or Computer System Designer or Programmer - Traveling
8805: Clerical Office Employees NOC - Coverage Under the Federal Employers' Liability Act (FELA) - Program II - State Act Benefits
8810: Clerical Office Employees NOC
8814: Clerical Office Employees NOC - Coverage Under the Federal Employers' Liability Act (FELA) - Program I
8815: Clerical Office Employees NOC - Coverage Under the Federal Employers' Liability Act (FELA) - Program II - USL&HW Act Benefits
8820: Attorney - All Employees & Clerical, Messengers, Drivers
8824: Retirement Living Centers - Health Care Employees
8825: Retirement Living Centers - Food Service Employees
8826: Retirement Living Centers - All Other Employees & Salespersons, Drivers
8829: Nursing or Convalescent Home - All Employees
8831: Hospital - Veterinary & Drivers
8832: Physician & Clerical
8833: Hospital - Professional Employees
8835: Home, Public, and Traveling Healthcare - All Employees
8842: Group Homes - All Employees & Salespersons, Drivers
8855: Banks and Trust Companies - All Employees, Salespersons, Drivers & Clerical
8856: Check Cashing Establishments - All Employees, Salespersons, Drivers & Clerical
8864: Social Services Organization - All Employees & Salespersons, Drivers
8868: School - Professional Employees & Clerical
8869: Child Care Center - All Employees Including Clerical, Salespersons & Drivers
8871: Clerical Telecommuter Employees
8901: Telecommunications Co Office or Exchange Employees & Clerical
9012: Building or Property Management - Property Managers and Leasing Agents & Clerical, Salespersons
9014: Janitorial Services by Contractors - No Window Cleaning Above Ground Level & Drivers
9015: Building or Property Management - All Other Employees
9016: Amusement Park or Exhibition Operation & Drivers
9019: Bridge or Vehicular Tunnel Operation & Drivers
9033: Housing Authority & Clerical, Salespersons, Drivers
9040: Hospital - All Other Employees
9052: Hotel - All Other Employees & Salespersons, Drivers
9058: Hotel - Restaurant Employees
9060: Club - Country, Golf, Fishing, or Yacht - All Employees & Clerical, Salespersons, Drivers
9061: Club - NOC & Clerical
9063: Health or Exercise Institute & Clerical
9077: United States Armed Service Risk - All Employees & Drivers
9082: Restaurant NOC
9083: Restaurant Fast Food
9084: Bar, Discotheque, Lounge, Nightclub or Tavern
9088: Rocket or Missile Testing or Launching & Drivers
9089: Billiard - Hall
9093: Bowling Lane
9101: School - All Other Employees
9102: Park NOC - All Employees & Drivers
9154: Theater NOC - All Other Employees
9156: Theater NOC - Players, Entertainers, or Musicians
9170: Janitorial Services by Contractors - Includes Window Cleaning Above Ground Level & Drivers
9178: Athletic Sports or Park Noncontact Sports
9179: Athletic Sports or Park Contact Sports
9180: Club - Shooting & Drivers
9182: Athletic Sports or Park Operations & Drivers
9186: Amusement Device Operator, Carnival, or Circus Traveling - All Employees & Drivers
9220: Cemetery Operation & Drivers
9402: Street Cleaning & Drivers
9403: Garbage, Ashes or Refuse Collection & Drivers
9410: Municipal, Township, County, or State Employee NOC
9501: Painting - Shop Only & Drivers
9505: Automobile, Bus, Truck or Trailer Body Manufacturing - Painting
9516: Electronic Equipment - Installation, Service, or Repair - Shop and Outside & Drivers
9519: Air Conditioning Systems - Portable Units - Installation, Service or Repair & Drivers
9521: House Furnishings Installation NOC & Upholstering
9522: Upholstering
9534: Mobile Crane and Hoisting Service Contractors - NOC - All Operations & Drivers
9554: Sign Installation, Maintenance, Repair, Removal, or Replacement NOC - Away From Shop & Drivers
9586: Beauty Shop, Barber Shop, or Hair Styling Salon
9600: Taxidermist
9620: Funeral Director & Drivers
9984: Atomic Energy - Project Work
9985: Atomic Energy - Radiation Exposure NOC



Workers Compensation Class Codes - The Bottom Line

You will want to make sure that the workers compensation class codes are all accurate so that you aren't paying more than you should or are penalized for underreporting.

If your accounts are audited and found that you had used the wrong workes comp class codes, i.e., less risky codes, the insurance company can bill you for three years of premiums. If it is determined that you made many mistakes with the class codes - either by mistake or purposely - your policy could be canceled.

Types Of Small Business Insurance - Requirements & Regulations

Perhaps you have the next great idea for a product or service that you know will appeal to your local area. If you've got a business, you've got risks. Unexpected events and lawsuits can wipe out a business quickly, wasting all the time and money you've invested.

Operating a business is challenging enough without having to worry about suffering a significant financial loss due to unforeseen and unplanned circumstances. Small business insurance can protect your company from some of the more common losses experienced by business owners, such as property damage, business interruption, theft, liability, and employee injury.

Purchasing the appropriate commercial insurance coverage can make the difference between going out of business after a loss or recovering with minimal business interruption and financial impairment to your company's operations.

Small Business Information

Insurance is so important to proper business function that both federal governments and state governments require companies to carry certain types. Thus, being properly insured also helps you protect your company by protecting it from government fines and penalties.

Small Business Insurance Information

In the business world, there are many risks faced by company's every day. The best way that business owners can protect themselves from these perils is by carrying the right insurance coverage.

The The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight.

Commercial insurance is particularly important for small business owners, as they stand to lose a lot more. Should a situation arise - a lawsuit, property damage, theft, etc. - small business owners could end up facing serious financial turmoil.

According to the SBA, having the right insurance plan in place can help you avoid major pitfalls. Your business insurance should offer coverage for all of your assets. It should also include liability and casual coverage.

Types Of Small Business Insurance

Choosing the right type of coverage is absolutely vital. You've got plenty of options. Some you'll need. Some you won't. You should know what's available. Once you look over your options you'll need to conduct a thorough risk assessment. As you evaluate each type of insurance, ask yourself:

  • What type of business am I running?
  • What are common risks associated with this industry?
  • Does this type of insurance cover a situation that could feasibly arise during the normal course of doing business?
  • Does my state require me to carry this type of insurance?
  • Does my lender or do any of my investors require me to carry this type of policy?

A licensed insurance agent or broker in your state can help you determine what kinds of coverages are prudent for your business types. If you find one licensed to sell multiple policies from multiple companies (independent agents) that person can often help you get the best insurance rates, too. Following is some information on some of the most common small business insurance policies:

Business Insurance Policy Type What Is Covered?
General Liability InsuranceWhat is covered under commercial general liability insurance? It steps in to pay claims when you lose a lawsuit with an injured customer, employee, or vendor. The injury could be physical, or it could be a financial loss based on advertising practices.
Workers Compensation InsuranceWhat is covered under workers compensation insurance? This type of insurance protects a business and its owner(s) from claims by employees who suffer a work-related injury, illness or disease. Workers comp typically provides the injured employee with benefits to cover medical expenses, a portion of his/her lost wages, rehabilitation costs if applicable, and permanent partial or permanent total disability.
Product Liability InsuranceWhat is covered under product liability insurance? I pays an injured party's settlement or lawsuit claim arising from a defective product. These are usually caused by design defects, manufacturing defects, or a failure to provide adequate warning or instructions as to how to safely use the product.
Commercial Property InsuranceWhat is covered under business property insurance? General liability policies don't cover damages to your business property. That's what commercial property insurance is for. It protects all of the physical parts of your business: your building, your inventory, and your equipment, giving you the funds you need to replace them in the event of a disaster. If you work from home, you might consider a Home Based Business Insurance policy instead.
Business Owners Policy (BOP)What is covered under a business owners policy (BOP)? This is a policy designed for small, low-risk businesses. It simplifies the basic insurance purchase process by combining general liability policies with business income and commercial property insurance.
Commercial Auto InsuranceWhat is covered under business auto insurance? This type of insurance covers automobiles being used for business purposes. This could include a fleet of business-only vehicles or a single company car. In some cases it might cover your car or your employee's car while they're being used for business. These policies have much higher limits, ensuring you can cover your costs if one of these vehicles gets into an accident.
Commercial Umbrella PoliciesWhat is covered under commercial umbrella insurance? This type of policy is a sort of "gap" insurance. It covers your liability in the event that a court verdict or settlement exceeds your general liability policy limits.
Liquor Liability InsuranceWhat is covered under liquor liability insurance? It covers bodily injury or property damage caused by an intoxicated person who was served liquor by the policy holder.
Professional Liability (Errors & Omissions)What is covered under professional liability insurance? This type of business insurance is also known as malpractice oe E&O. It covers the damages that can arise from major mistakes, especially in high-stakes professions where mistakes can be devastating.
Surety BondWhat is covered under surety bonds? Bonding is a contract where one party, the SURETY (who assures the obligee that the principal can perform the task), guarantees the performance of certain obligations of a second party, the PRINCIPAL (the contractor or business who will perform the contractual obligation), to a third party, the OBLIGEE (the project owner who is the recipient of an obligation).


Who Needs General Liability Insurance? - Virtually every business. A single lawsuit or settlement could bankrupt your business five times over. You might also need this policy to win business. Many companies and government agencies won't do business with your company until you can produce proof that you've obtained one of these policies.

Business Insurance Required by Law
Small Business Commercial Insurance

If you have any employees most states will require you to carry worker's compensation and unemployment insurance. Some states require you to insure yourself even if you are the only employee working in the business.

Your insurance agent can help you check applicable state laws so you can bring your business into compliance.

Other Types Of Small Business Insurance

There are dozens of other, more specialized forms of small business insurance capable of covering specific problems and risks. These forms of insurance include:

  • Business Interruption Insurance
  • Commercial Flood Insurance
  • Contractor's Insurance
  • Cyber Liability
  • Data Breach
  • Directors and Officers
  • Employment Practices Liability
  • Environmental or Pollution Liability
  • Management Liability
  • Sexual Misconduct Liability

Whether you need any or all of these policies will depend on the results of your risk assessment. For example, you probably don't need an environmental or pollution policy if you're running an IT company out of a leased office, but you would need data breach and cyber liability policies to fully protect your business.

Also learn about small business insurance requirements for general liability, business property, commercial auto & workers compensation including small business commercial insurance costs. Call us (855) 767-7828.

Additional Resources For Workers Compensation Insurance

Learn about workers compensation insurance - a policy provides medical, wage and other benefits to employees who are injured or become ill on the job. Workers comp coverage is mandated by each state.


Injured Employee

The National Council on Compensation Insurance, Inc. (NCCI) developed WC 00 00 00 B-Workers Compensation and Employers Liability Insurance Policy.

It covers the named insured's statutory liability under various state workers compensation laws or acts.

It provides defined benefits to employees for injuries they sustain or diseases they contract that arise out of and in the course of their employment.

All states have laws that require such protection for workers, and those laws prescribe the amount and duration of the benefits provided.

Employers Liability covers an employer's common law or tort liability for employee injuries that fall outside the scope of the state laws or acts. This liability is separate and distinguished from the liability that workers compensation laws impose.

The policy provides the mandatory benefits that the various state laws prescribe and require for accidental work-related injuries that occur in the course of employment, subject to its terms and conditions.

It must be emphasized that the injury must arise from and be related to the injured worker's job duties. Coverage also applies to the related costs for disease or death that occur as a result of the accident.

There are times when the employed worker's injury is not compensable under workers compensation or occupational disease laws. In those cases, Employers Liability coverage responds to the injured worker's allegations of negligence on the employer's part, subject to its terms, conditions, limitations, and exclusions.

The coverage the basic policy provides may be broadened, restricted, clarified, or made to comply with specific state regulatory requirements by using a variety of available endorsements.


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