California Workers Compensation Insurance Portal: California Worker Compensation Insurance - California Worker Comp, California worker comp class codes, California worker comp insurance, California worker compensation rate, California worker comp quotes, California Restaurant Worker Compensation Insurance, California Small Business Worker Compensation Insurance, California Work Comp, Ca worker compensation insurance, ca worker comp, ca worker compensation, ca worker comp insurance, worker compensation in ca, worker compensation, worker comp, worker compensation insurance, worker comp insurance, California Workers Compensation Insurance - California Workers Comp, California workers comp rates, California workers comp insurance, California workers compensation rate, California workers comp quotes, California Work Comp, Ca workers compensation insurance, ca workers comp, ca workers compensation, ca workers comp insurance, workers compensation in ca, workers compensation, workers comp, workers compensation insurance, workers comp insurance

CALIFORNIA WORKERS' COMPENSATION RELATED SITES

WORKERS COMPENSATION INSURANCE EXPLAINED

The Evolution of Workers Compensation

The concept that workers should be protected from and compensated for injury or illness occurring in the workplace came about with the rise of the trade union movement at the beginning of the 20^th Century. Workers Compensation insurance is a direct result of public awareness and outrage at the poor and often dangerous working conditions people were forced to labor under in order to make a living, and the financially devastating effects of worker injury or illness on the worker and the worker�s dependents.

Workers Compensation insurance is the oldest social insurance program in the United States; in fact, it is older than both social security and unemployment compensation.

California adopted Workers Compensation laws in the 1910�s along with most other states. Workers Compensation is based on a no-fault system, which means that an injured employee does not need to prove that the injury or illness was someone else�s fault in order to receive Workers Compensation benefits for an on-the-job injury or illness.

Since almost every working Californian is protected by Workers Compensation benefits, it is important that employers and employees alike have an understanding of Workers Compensation insurance and how it works.
Back to Top

What Benefits Are Available in a Workers Compensation Policy?

Depending on the circumstances of the injury or illness, injured workers are entitled to specific benefits as structured by Workers Compensation insurance. There are five basic types of Workers Compensation benefits that include medical care, temporary disability benefits, permanent disability benefits, vocational rehabilitation services, and death benefits. Injured workers may be entitled to one or more of these benefits.
Back to Top

Medical Care

Injured workers are entitled to receive all medical treatment reasonably required to cure or relieve the effects of a work-related injury or illness. Medical care can include physician services, hospitalization, physical restoration, dental care, prescriptions, x-ray, laboratory services, or any other care considered necessary or reasonable by the treating physician.

Generally, the employer is responsible for arranging medical treatment for the first 30 days from the date the injury or illness is reported. After 30 days the employee is then free to select any treating physician or facility. If an employee, prior to any injury or illness, notifies their employer that they have a personal physician, then that physician may treat the employee from the date of the injury or illness. The choice of treating physician differs, however, if the employer and the employee have opted for a Health Care Organization (HCO).
Back to Top

First Aid Treatment

First aid treatment is included as medical care that all employers must provide for their injured employees. In conjunction with the Department of Industrial Relations, Division of Workers Compensation, the California Department of Insurance (CDI) wants to remind all employers, physicians, insurance carriers and self-insurers of the need to comply with Section 6409(a) of the California Labor Code.

Section 6409(a) requires a physician who treats an injured employee to file a "Doctor�s First Report of Injury" (DFR) with the claims administrator for every work illness or injury, even first aid cases where there is no lost time from work. Although the Labor Code contains "first aid" exceptions for the Employers Report (Form 5020) and the Employee Claim Form (DWC-1), there is no such exception for the DFR. The insurance carrier (or the employer if the employer is self-insured) must forward these DFR�s to the Department of Industrial Relations. There is no "first aid" exception to this statute.

The CDI and Department of Industrial Relations believe there are improper arrangements in place between some medical providers and employers that allow the employer to dictate how injuries are to be classified by the physicians. In some cases, and at the request of the employers, the physicians send the DFR only to the employers and not to the insurance carriers. This arrangement occurs even though the injuries clearly are beyond first aid. This agreement is often marketed to employers as a way to keep premiums from rising or to lower them. Such marketing practices are both improper and may also contribute to possible criminal violations related to premium fraud and the fraudulent denial of Workers Compensation benefits to injured workers.
Back to Top

Temporary Disability

When a worker is unable to return to work within three days of his/her injury or illness, he/she is entitled to temporary disability benefits to help partially replace wages lost as a result of the injury or illness. A physician must verify that an injured employee cannot work because of an on-the-job injury or illness before temporary disability benefits are payable. The benefits are generally designed to replace two-thirds of lost wages, up to the current maximum prescribed by law. Benefits are payable every two weeks until the employee is able to return to work or until the employee�s condition becomes permanent and stationary as reported by the treating physician.
Back to Top

Permanent Disability

If a work-related injury or illness results in permanent impairment to an employee that reduces his/her ability to compete in the open labor market, then the employee becomes eligible for permanent disability benefits. The amount the employee receives depends on the extent (percentage) of the injury. Other factors that are considered when calculating permanent disability include: the date of injury, the age of the employee when injured, and the employee�s occupation. Current Workers Compensation law sets the benefit amount and the maximum amount payable, and the benefits are paid every two weeks until the maximum amount is reached or a lump sum settlement is made.

The percentage of permanent disability is determined by using the Permanent Disability Rating Schedule and an assessment of the injured worker�s permanent impairment and limitations. The Permanent Disability Rating Schedule can be accessed through the Department of Industrial Relations Web site at www.dir.ca.gov. Please see the "Resources" section of this brochure for complete Department of Industrial Relations contact information.

The Permanent Disability Rating Schedule specifies standard percentage ratings for permanent impairments and provides for the modification of these standard ratings based on the injured worker�s age and occupation. The standard rating is adjusted for age by lowering the rating for younger workers and increasing the rating for older workers. The operating theory is that it is easier for younger people to adjust to a permanent disability. The standard rating is adjusted for occupation by increasing the rating if the permanent impairment or limitation will be a greater obstacle in performing the worker�s occupation or lowering the rating if it will have a lesser impact.

The assessment of the injured worker�s permanent impairment and limitations is made by either the treating physician or a Qualified Medical Evaluator (QME). The Industrial Medical Council appoints and regulates QMEs. (Please see the "Resources" section of this brochure for Industrial Medical Council contact information.) If there is a disagreement with the treating physician�s opinion, and the worker is not attorney represented, then the worker can choose a physician from a three-member panel provided from the Industrial Medical Council to perform a separate evaluation. When a worker is attorney represented, the parties must attempt to agree on a physician to perform the evaluation. If the parties are unable to agree on a physician, each side may obtain evaluations from a QME of their choice. In the case that the evaluations are different, the amount of permanent disability will be determined through negotiation or litigation, if necessary.
Back to Top

Vocational Rehabilitation

Vocational Rehabilitation Services are offered to injured workers who are unable to return to their former type of work. The services include the development of a suitable plan, the cost of any training, and a maintenance allowance while participating in rehabilitation.

Once an injured worker is determined to be unable to return to his/her previous type of work, the employer and employee together select a rehabilitation counselor who will determine whether vocational rehabilitation is feasible. If rehabilitation is possible, then a suitable rehabilitation plan is developed. The goal of a rehabilitation plan is to return the injured worker to suitable employment or self-employment that offers the opportunity for the worker to be restored to a position of maximum self-support as soon as reasonably possible.

Like temporary disability benefits, the maintenance allowance payable to a worker while in rehabilitation is designed to replace two-thirds of the income for lost wages. The maximum prescribed by law for the maintenance allowance is lower than the maximum payable by temporary disability. The worker may supplement the maintenance allowance with advances from permanent disability benefits up to the level where the worker is receiving the same weekly amount as received under temporary disability benefits.
Back to Top

Death Benefits

When a worker is fatally injured on the job, reasonable burial expenses are paid up to the current maximum set by law. Additionally, qualified surviving dependents may receive support payments for a period of time. These benefit payments are usually paid at the same weekly rate as the maximum temporary disability benefit. The total death benefit amount of support payments depends on the number of dependents and whether they are partially or totally dependent.
Back to Top

How Is Coverage Structured in a Workers Compensation Policy?

Workers Compensation coverage is offered under Part One of a Workers Compensation insurance policy. In Part One, the insurance company agrees to promptly pay all benefits and compensation due to an injured worker. These payments are imposed on the employer by Workers Compensation law or laws of the state or states listed on the Declarations page of the policy. Workers Compensation insurance is considered the exclusive remedy for injured employees. What this means is that an employer assumes absolute liability for all worker injuries and the Workers Compensation benefits are the remedy and sole source of funds for the injured worker. An injured employee covered under Workers Compensation cannot sue his/her employer for damages.

Despite the fact that Workers Compensation is considered to be the exclusive remedy for employees with work related disabilities, Employers Liability insurance can provide important coverage in addition to Workers Compensation insurance. Employers Liability is offered under Part Two of a Workers Compensation and Employers Liability insurance policy. Employers Liability Part Two protects the employer against instances where an employee�s injury or disease is not considered work related. Occupational injuries in the course of employment are not covered under Workers Compensation law and are therefore not compensable under Workers Compensation Part One. You may want to contact a licensed commercial broker-agent to discuss Employers Liability coverage as a part of your Workers Compensation policy.
Back to Top

Who Is Required to Purchase Workers Compensation Insurance?

All California employers must provide Workers Compensation benefits to their employees under California Labor Code Section 3700. If a business employs one or more employees, then it must satisfy the requirement of the law.

Sometimes a business owner (sole-proprietor) may desire to purchase Workers Compensation insurance to cover himself/herself only. The inclusion of a sole-proprietor must be clearly stated in the Workers Compensation policy or must be added as a coverage endorsement to the policy. Since Workers Compensation insurance is a type of liability insurance where the employer assumes complete liability for all worker injuries, a Workers Compensation policy for a sole-proprietor may not be the best choice.

Purchasing health, life, and/or disability income insurance can be a viable option to Workers Compensation for a sole-proprietor. Contact a licensed commercial broker-agent or a licensed personal lines broker or agent for further information and consultation.

Executive officers and directors of corporations must be included in Workers Compensation coverage, unless the corporation is fully owned by the directors and officers. If the directors and officers fully own the corporation, then they may elect to be excluded from Workers Compensation benefits. Fully owned corporations may want to discuss the option to include or exclude their officers and directors with a licensed commercial broker-agent.

California Labor Code Section 3351 defines who is an employee, and therefore who can be covered under a Workers Compensation policy. Whether a business is a sole-proprietorship, a partnership, or a corporation, it is beneficial to develop a working relationship with a reliable, competent broker-agent who can explain coverage eligibility issues and present options based on the organization model of a business.
Back to Top

How Is Workers Compensation Insurance Purchased?

Employers must purchase Workers Compensation insurance from either a licensed insurance company or through the State Compensation Insurance Fund (SCIF). Employers may also have the option to self-insure for Workers Compensation. A commercial broker-agent can assist a business with purchasing Workers Compensation insurance from a licensed insurance company and can assist with information on SCIF and self-insurance. Also, information on insurance companies licensed to sell Workers Compensation insurance can be accessed on the California Department of Insurance (CDI) Web site at www.insurance.ca.gov.

SCIF is a state-operated entity that exists in order to transact Workers Compensation on a non-profit basis. SCIF competes with private Workers Compensation insurance companies for business and also operates as the insurer of last resort if private companies are not willing to offer Workers Compensation insurance. If a business is interested in SCIF, then they can contact SCIF directly by using the information provided in the "Resources" section of this brochure or they can contact a licensed commercial broker-agent.

To become self-insured, a business must obtain a certificate from the California Department of Industrial Relations, Office of Self-Insurance Plans. Private employers have to post security as a condition of receiving a certificate of consent to self-insure. Self-insurance is only a viable option for very large, stable employers. For complete information on Workers Compensation self-insurance, contact the Department of Industrial Relations, Office of Self-Insurance Plans with the information shown in the "Resources" section.
Back to Top

What Happens to an Employer Who Does Not Purchase Workers Compensation Insurance?

Employers who fail to purchase Workers Compensation insurance are in violation of the California Labor Code. The Director of the Department of Industrial Relations has the authority to issue a stop order against any company who is discovered to be unlawfully uninsured for Workers Compensation. A stop order closes down business operations until Workers Compensation insurance is secured. Besides issuing a stop order, the Director can assess fines based on whether a company has been discovered to be unlawfully uninsured through normal investigation or through the filing of an injured workers claim with the Uninsured Employers Fund. Failure to comply with a stop order can result in a $10,000 fine, while the fine for failure to carry Workers Compensation insurance is $1,000 per employee. Employers can be prosecuted for insurance fraud for willful failure to secure Workers Compensation insurance as prescribed by law. Also, if Workers Compensation is not purchased, an employer opens himself/herself up to liability lawsuits from injured employees. Exclusive remedy protection does not apply if Workers Compensation insurance is not in force at the time of employee injury.
Back to Top

What Is the Uninsured Employers Fund and the Subsequent Injuries Fund?

When a work-related injury or illness occurs to an employee, and the employer is unlawfully uninsured for Workers Compensation, the employee can file a claim with the Uninsured Employers Fund. The Uninsured Employers fund steps in and handles Workers Compensation claims when the employer has secured no insurance or has failed to pay or post a bond in order to pay the compensation owed the employee due to work-related injury or illness. An attempt is made by the Uninsured Employers Fund to recover any amount paid on behalf of an uninsured employer. Please see the "Resources" section of this brochure for contact information regarding the Uninsured Employers Fund.

An employee who has a previous permanent disability or impairment and suffers a subsequent workplace injury or illness may be eligible to receive additional compensation from the Subsequent Injuries Fund. The combined permanent disability must be at least 70% to qualify and additional eligibility requirements must be met. It is important to note that employers are not liable under Workers Compensation for the combined disability of an injured worker. An employer is only liable for that portion of compensation that is owed to the worker from the later (not previous) injury. For further information on the Subsequent Injuries Fund, see the contact information located in the "Resources" section of this brochure.
Back to Top

How Is Workers Compensation Premium Calculated?

Classification

Workers Compensation premium calculation is based upon how employees are classified according to their specific work duties and the rate assigned to each corresponding employee classification. Classifications are developed and assigned by the Workers Compensation Insurance Rating Bureau (WCIRB) in most cases. Workers Compensation insurers working with the WCIRB generally use the classification codes the WCIRB provides when rating a workers compensation policy. Insurance companies are allowed to develop and submit their own classification system to the CDI for approval, but this is uncommon due to the strict standards required to file a separate workers compensation classification system. The WCIRB provides a policyholder ombudsman who is available to answer questions from employers on classification, experience modification, and rating issues. Please see the "Resources" section at the end of this brochure for contact information on the WCIRB and their policyholder ombudsman.
Back to Top

Open Rating

Workers Compensation insurers assign a specific rate to each occupational classification code. These rates must be filed with the CDI. Currently, California Workers Compensation insurers operate under an "open" rating system. This open rating system means that individual companies set rates based on their ability to adequately cover losses and expenses in each classification (occupational business class). Open rating requires that all Workers Compensation insurers file their rates and all applicable supplementary rate information to the CDI. Rate approval is based on many factors. One of the most important factors for rate approval is rate adequacy. Rates must be adequate to maintain the solvency of an insurance company. Adequate rates also act to secure the proper surplus monies insurance companies are required to have in order to meet potential and continuing claim obligations. The Insurance Commissioner will not approve rates if they are inadequate to cover an insurer�s losses and expenses, unfairly discriminatory, or create a monopoly in the marketplace. The Commissioner does not have the authority under law to disapprove rates that may be considered excessive only.
Back to Top

Premium Modification

The classification code with its corresponding rate is the first part of the rating formula. The rate itself is expressed in dollars and cents and is multiplied by each $100 of payroll per classification. The payroll for each class is estimated and then multiplied (per each $100 of payroll) by the applicable rates. The sum of the equation is referred to as the "base" premium. The base premium continues to be modified (increased or decreased) using rating plans (usually schedule or judgment rating) and by experience modification. (Please see the "Glossary" section for definitions of schedule and judgment rating.)
Back to Top

Experience Modification

The experience modification is calculated from loss information that an insurance company is required to submit to the WCIRB on an annual basis. The WCIRB uses a mathematical formula approved by the CDI to calculate an experience modification for

each employer. The formula takes into account reported paid losses, claim loss reserves, and payroll amounts for a specific experience period (usually the prior three complete years of workers compensation coverage). The experience modification indicates the average loss experience of employers throughout a similar industry and acts as a means of comparison between employers. When the experience modification is applied to the class rate, along with any other modifications (schedule or judgment), the final rate is multiplied per $100 of payroll and the estimated premium is established.
Back to Top

Prospective Rating

The type of basic Workers Compensation rating formula illustrated above is called prospective rating. While Workers Compensation premiums can be calculated using different rating plans (such as dividend plans or retrospective rating), prospective rating is the most common Workers Compensation premium calculation rating method used currently. Businesses interested in learning more about Workers Compensation rating methods should contact a licensed broker-agent for further information and discussion regarding this topic.
Back to Top

Premium Audit

The final premium of a Workers Compensation policy cannot be calculated until the policy term is over and the employer�s payroll records have been audited. The final audit of payroll records determines if the initial payroll estimate was either high or low. If the payroll has gone up from the estimate, then the employer will owe additional premium. If the payroll has gone down from the estimate, then the insurance company will owe the employer a return premium. Since many companies experience fluctuating payrolls, some workers compensation insurers offer a monthly payroll reporting option. If an employer does not qualify for monthly reporting (usually due to payroll size), then the employer can work closely with their broker-agent or company underwriter to report any large payroll fluctuations during the policy term. Corrected payroll estimates during the policy term can help minimize the possibility of a large premium audit bill or a large return premium, which can significantly affect the cash flow of a business.

Employers need to be aware that their Workers Compensation company has the right to audit payroll records at anytime. Usually this right is reserved for the final audit, but an insurance company can conduct interim audits as well. Failure to comply with an insurance company audit can lead to cancellation or non-renewal of a policy. Also, insurance companies can use all legal means at their disposal to collect outstanding premium. It is important to know that deliberate underreporting of payroll is considered insurance fraud and can be prosecuted to the fullest extent of the law. The WCIRB also has the right to conduct an audit of payroll records, which allows them gather information on experience modification and the proper classification categories for a specific employer.
Back to Top

Does the CDI Handle Workers Compensation Claim Issues?

It is important to note that most Workers Compensation claims do not come under the jurisdiction of the CDI¹. The California Department of Industrial Relations, Division of Workers Compensation assists employers and employees with Workers Compensation claims. If an employer or employee has a question or concern regarding a Workers Compensation claim he/she can contact the Information and Assistance Unit of the Division of Workers Compensation.

When disputes arise regarding a Workers Compensation claim, the Information and Assistance Unit upon contact will attempt to resolve the dispute. If they are unable to resolve the dispute, then a formal application for adjudication (dispute resolution) can be filed with the Workers Compensation Appeals Board. The Information and Assistance Unit may be able to help filing the application to the Appeals Board unless an attorney has been retained. The Workers Compensation Appeals Board has exclusive jurisdiction over dispute resolution.

An employer or employee can contact the California Department of Industrial Relations, Division of Workers Compensation using the information provided in the "Resources" section of this brochure. The "Resources" section includes specific contact information for the Information and Assistance Unit and Workers Compensation Appeals Board. Also, an employer should be able to discuss any general Workers Compensation claim issue with their broker-agent or discuss a specific claim with the claim adjuster that has been assigned to the claim by their Workers Compensation insurer.

¹In specific instances, CDI does investigate the fraudulent submission, or denial, of Workers compensation claims (California Insurance Code Section 1871.4).
Back to Top

What Workers Compensation Issues Does the CDI Handle?

The CDI primarily deals with rating and underwriting issues involving Workers Compensation insurance. Consumers contact the CDI with a variety of Workers

Compensation rating and underwriting concerns. The following is a list of common consumer issues under the jurisdiction of the CDI regarding Workers Compensation insurance:

Insurer compliance with filed rates
Rating errors
Classification and experience modification disputes
Failure to provide loss history reports
Cancellation and nonrenewal notice
Audit disputes
Dividend plans
Broker-agent handling
Insurance fraud

California Code of Regulations (CCR) 2509.40 � 2509.78 lists detailed procedures for appeals regarding experience modification and classification disputes. Please contact the CDI through the information given in the "Talk to Us" section of this brochure when you experience Workers Compensation rating and underwriting difficulties. In most cases, we can assist consumers to resolve workers compensation issues involving rating and underwriting. If it is determined that the CDI does not have jurisdiction, we can refer the consumer to the appropriate state agency for assistance. Also, it is important to contact the CDI regarding any suspected Workers Compensation fraud. Fraud reports can be filed with the CDI on an anonymous basis. The more complete and credible the information, the greater the chance of apprehending and prosecuting those involved in Workers Compensation fraud.
Back to Top

Frequently Asked Workers Compensation Questions

What is a loss reserve?

Insurance companies use loss reserves to evaluate the monetary worth of each claim. A loss reserve is an estimated amount of money that the insurance company sets aside to pay for a claim. It is usually up to a claim adjuster to set the loss reserve, utilizing judgment and experience from prior claims that are similar. Adequate loss reserves help determine how much money an insurance company must have in surplus to meet current, emerging, and future claim obligations. Insurance companies must report Workers Compensation loss reserves along with other claim reporting information to the WCIRB, as this information is used by the WCIRB to calculate experience modifications. Poor loss reserve practices combined with inaccurate claim reporting can put an insurance company in financial jeopardy. Since maintaining insurer solvency is of high importance, loss reserves must be as accurate as possible and revised regularly based on the most current claim information available. While underreserving can effect solvency, overreserving can also cause problems. The practice of overreserving claims results in an inflated experience modification that unfairly raises the premium for the insured.

How does an employer request a Workers Compensation premium and loss history report?

Workers Compensation premium and loss history reports (commonly referred to as loss runs) must be requested in writing by the policyholder or by the policyholder�s authorized broker-agent. The insurance company has 10 business days to comply with this request under the following circumstances outlined in CIC Section 11663.5: "(1) The policy is cancelled or nonrenewed. (2) The policyholder requests the information within 60 days prior to the renewal date of an existing policy. (3) The policyholder�s current insurer�s rating is downrated by a nationally recognized insurance rating service to a financial rating below secure or good or to a rating that would negatively impact the ability of the policyholder to contact its business operations. (4) The policyholder�s current insurer is conserved by the department�or is ordered to cease writing business�"

If an insurance company fails to comply with a written request for loss runs under the provisions of CIC Section 11663.5, then contact the CDI for assistance by using the information provided in the "Talk to Us" section located at the end of this brochure.

What is a minimum premium?

Insurance companies have minimum premium amounts in place to cover the expenses involved in issuing and servicing policies. When the payroll of a company is small, it is possible that the premium generated from the premium calculation will be very low. If the calculated premium is so low that the insurer cannot meet even basic expenses, it is not a sound financial practice to insure the risk, as the insurer would be losing money before any claim had occurred. By setting a minimum premium, an insurance company determines the smallest acceptable premium that they are willing to charge in order to accept a risk. Each insurance company must file their minimum premium requirements as part of their rating plan with the CDI.

What happens when an employer cancels a policy during the policy year?

When an employer cancels a Workers Compensation policy in the middle of a policy year (mid-term) in order to secure insurance with another company or to close a business, the insurance company will return any premium owed on a short rate basis. A short rate is an administrative penalty assessed to the policyholder for failure to complete the contracted term of insurance. An insurance company may charge a minimum premium for the cancelled policy if the short rate cancellation amount is less than the minimum premium in order to cover expenses. If an employer experiences problems with a cancellation or a premium refund issue, they can contact the CDI by using the information available in the "Talk to Us" section of this brochure.

How does the insolvency of an insurance company affect outstanding claims?

Fortunately, there is protection for both employers and employees when a

Workers Compensation company becomes insolvent. The Insurance Commissioner oversees the conservation and liquidation of an insurance company under appointment of the courts. The Conservation and Liquidation Office (CLO) of the CDI is responsible for handling the details of conservation and liquidation. Because claim payments for workers compensation can be so crucial, CLO works very closely with the California Insurance Guarantee Association (CIGA) to help ensure timely payment of claims with no excessive time delays. This helps to relieve the burden employers and employees experience when an insurance company becomes insolvent. CIGA acts as a safety net and guarantees that claim payments will continue to be made whether or not the insolvent insurance company�s liquidated assets are enough to cover claims. For more information on conservation and liquidation process, contact the CDI through the information available in the "Talk to Us" section of this brochure. The "Resources" section of this brochure also contains contact information for CIGA.

What exactly is a dividend plan?

A dividend plan is a type of rating plan that allows an employer to share in the profits of their Workers Compensation carrier, in the form of a dividend. Because the employer participates in the profits of the insurer, dividend plans are often referred to as participating policies of insurance. There are various types of dividend plans with different provisions and requirements. An employer interested in pursuing other options to prospective rating (please see the "Prospective Rating" paragraph under the "How Is Workers Compensation Premium Calculated" section), should contact their broker-agent for discussion and further information. All dividend plans must be submitted along with all other rating plan information to the CDI for approval.

Can an insurance broker-agent or insurance company guarantee the amount of a future Workers Compensation dividend?

The California Code of Regulations (CCR) clearly states that broker-agents or insurance companies cannot guarantee or in any way promise the payment amount of future Workers Compensation dividends (see Title 10, Chapter 5, Subchapter 3, Article 9, Section 2505.) A broker-agent or other company representative can provide past dividend payment amounts for illustration purposes, but the policyholder dividend statement cannot directly or indirectly imply the amount of future dividend payments. If an employer feels that a broker-agent or company representative is in any way misrepresenting their dividend plan, especially by directly or indirectly promising future dividend results, then they should contact the CDI immediately through the information provided in the "Talk to Us" section of this brochure.

What can an employer do if there is a dispute on a Workers Compensation classification code?

If an employer questions the assignment of a classification code, the broker-agent or company underwriter should be contacted for a discussion and/or explanation of the specific classification code in question. If a company underwriter changes a classification code that results in an increased premium (unless the reclassification is the result of a CDI regulation or under the authority of the Insurance Commissioner), the company must inform the employer or the broker-agent of the change in writing within 30 days. If there continues to be a dispute regarding an existing or reclassified code, then the employer can file a written complaint with the CDI. (Please see the contact information listed in the "Talk to Us" section.) Similarly, if an employer wants to dispute a classification decision made by the WCIRB, then the employer can file a written dispute with the WCIRB. If the request is rejected or not acted upon within 30 days, then the employer can contact the CDI and file a written complaint. (Please note the contact information for the WCIRB can be found in the "Resources" section of this brochure.) Finally, refer to the "What Workers Compensation Issues does the CDI Handle?" section of this brochure for related information on the appeals process for classification and experience modification issues.

Resources

California Department of Industrial Relations
Location Address:
455 Golden Gate Avenue
San Francisco, CA 94102

Mailing Address:
PO Box 420603
San Francisco, CA 94142
Phone: 415-703-5070
Web site: www.dir.ca.gov

     � Division of Workers Compensation (DWC)
         Location Address:
         455 Golden Gate Avenue, 9^th Floor
         San Francisco, CA 94102

         Mailing Address:
         PO Box 420603
         San Francisco, CA 94142
         Phone: 415-703-4600
         Web Site: www.dir.ca.gov

     � Division of Workers Compensation
         Information and Assistance Unit
          Phone: 415-703-4600

     �   Division of Workers Compensation (DWC)
         Uninsured Employers Fund and Subsequent Injuries Fund
         Los Angeles Claims Unit: 213-576-7300
         San Francisco Claims Unit: 415-703-4955

     � California Department of Industrial Relations
         Industrial Medical Council
         Location Address:
         395 Oyster Point Boulevard, Room 102
         South San Francisco, CA 94080

         Mailing Address:
         PO Box 888
         San Francisco, CA 94128
         Phone: 650-737-2029
         800-794-6900
         Web Site: www.dir.ca.gov

     �   California Department of Industrial Relations
         Office of Self Insurance Plans (SIP)
         2265 Watt Avenue, Suite 1
         Sacramento, CA 95825
         Phone: 916-483-3392
         Web Site: www.dir.ca.gov

     �   California Department of Industrial Relations
         Workers Compensation Appeals Board
         Location Address:
       455 Golden Gate Avenue
         San Francisco, CA 94102

         Mailing Address:
         PO Box 420603
         San Francisco, CA 94142
         Phone: 415-703-4580
         Web Site: www.dir.ca.gov

California Insurance Guarantee Association (CIGA)
PO Box 29066
Glendale, CA 91209
Phone: 818-844-4300
Web Site: www.caigo.org

State Compensation Insurance Fund (SCIF)
1275 Market Street
San Francisco, CA 94103
Phone: 415-565-1234
877-405-4545
Web Site: www.scif.com

Workers Compensation Insurance Rating Bureau (WCIRB)
525 Market Street, Suite 800
San Francisco, CA 94105-2716
Phone: 415-777-0777
Web Site: www.wcirbonline.org
Attn: Customer Service
Phone: 888-229-2472
Attn: Policyholder Ombudsman
Phone: 415-778-7159
Back to Top

Glossary

Agent � A licensed individual or organization authorized to sell and service insurance policies for an insurance company.

Binder � A short-term agreement that provides temporary insurance coverage until the policy can be issued or delivered.

Broker � A licensed individual or organization who sells and services insurance polices on your behalf.

Broker-agent � A licensed individual who can act as an agent representing one or more insurers, and also as a broker dealing with one or more insurers representing your interests.

Cancellation � The termination of an in-force insurance contract by either the insured or the insurer before its normal expiration date.

Claim � Notice to an insurance company that a loss has occurred that may be covered under the terms and conditions of the policy.

Claim Adjuster � The person who evaluates the damage caused by a covered loss and determines the amount to be paid under the policy terms.

Commercial Lines � Insurance coverages for businesses, commercial institutions, and professional organizations, as contrasted with personal insurance.

Commission � A portion of the policy premium that is paid to an agent by the insurance company as compensation for the agent�s work.

Conditions � The portion of an insurance contract that sets forth the rights and duties of the insured and the insurer.

Consequential Bodily Injury � In Workers Compensation, special circumstances can arise when a work-related injury causes some sort of non-work related injury. (Please see Loss of Consortium, Dual Capacity, and Third Party Over glossary definitions.)

Coverage � Protection that is provided under an insurance policy.

Declarations (DEC) Page � Usually the first page of an insurance policy that contains the full legal name of the insurance company, the policy number, effective and expiration dates, premium payable, the amount and types of coverage, and the deductibles.

Deductible � The amount of the loss that the insured is responsible to pay before benefits from the insurance policy are payable.

Dual Capacity � In Workers Compensation an employer may be liable two ways to an employee who incurs bodily on the job as a result of using a product or service produced by that employer. The employee is eligible for Workers Compensation benefits and may also sue the employer because of the defectiveness of the injuring product or service.

Earned Premium � The portion of the policy premium paid by an insured that has been allocated to the insurance company�s loss experience, expenses, and profit year to date.

Endorsement � A written agreement that changes the terms of an insurance policy by adding or subtracting coverage.

Effective Date � The starting date of an insurance policy: the date the policy goes into force.

Exclusion � A contractual provision in an insurance policy that denies or restricts coverage for certain perils, persons, property, or locations.

Experience Modification � The adjustment of premium resulting from the use of experience rating. Experience rating plans reflect an insured�s past loss experience (usually from the past three years) and use this experience to modify and determine the premium for the current policy year.

Expiration Date � The termination date of coverage as indicated on an insurance policy.

First Party � The policyholder (insured) in an insurance contract.

Flat Cancellation � Cancellation that takes place on the policy effective date. No premium charge is made; however, other charges (i.e. service) may apply.

Fraud � An intentionally deceptive act committed to obtain an unfair or unlawful advantage. Fraud usually involves monetary gain.

Frequency � The number of times a loss occurs.

Hazard � A circumstance that increases the likelihood or potential severity of a loss.

Indemnity � In a property and casualty contract, the objective is to restore an insured to the same financial position after the loss that the insured had prior to the loss. In the most basic sense, indemnity is compensation for a loss.

Independent Adjuster � A person or organization that provides claim adjusting services to different insurers on a contract basis.

Insurance � A method of shifting risk from a person, business, or organization to an insurance company in exchange for the payment of premium. The insurance company commits to be responsible for covered losses.

Insured -- The policyholder(s) entitled to coverage under an insurance policy.

Insurer � The insurance company who issues insurance and agrees to pay for losses and provide covered benefits.

Judgment Rating � A rating modification (either decrease or increase) that is based on the underwriter�s experience, best judgment, and analysis in classifying and underwriting a particular type of risk.

Lapse � In property and casualty insurance, a lapse is the termination of a policy because of a failure to pay premium when due.

Liability Insurance � Coverage for a policyholder�s legal liability resulting from injuries to other persons or damage to their property.

License � A certificate of authority issued by the CDI to an insurer, agent, broker, or broker-agent to transact insurance business.

Limits of Insurance � The maximum amount of benefits the insurance company agrees to pay in the event of a loss.

Loss of Consortium � A potential situation in any bodily injury claim (including Workers Compensation claims) where a spouse contends that the bodily injury of their partner deprives them of the natural affection (spousal duties), help, and companionship of said spouse.

Managing General Agent (MGA) � An agent contractually authorized by an insurance company to manage all or part of the insurer�s business activities. An MGA can manage the marketing, underwriting, policy issuance, premium collection, appointing and supervision of other agents, claims payments, and reinsurance negotiations of an insurance company.

Material Misrepresentation � A factual falsification made in such a manner that the insurance company would have refused to insure the risk if the truth had been known at policy issuance. A material misrepresentation gives an insurance company grounds to rescind a contract.

Misquote � An incorrect estimate of an insurance premium.

Nonpayment of Premium � Failure by the policyholder to pay the premium on a policy or pay the installment premium payments due on a policy.

Nonrenewal � The termination of an insurance policy on its normal expiration date.

Occurrence � A liability insurance policy that covers claims arising out of occurrences that take place during the policy period, regardless of when the claim is filed.

Permanent Disability Rating Schedule � The schedule that is used to determine and modify the percentage of permanent disability of an injured worker.

Personal Lines � Insurance written on the personal and real property of an individual (or individuals) to include such policies as Homeowners insurance and personal auto insurance, as contrasted with commercial lines.

Policy � A contract that states the rights and duties of the insurance company and the insured.

Premium � The monetary payment that an insured makes to an insurance company in exchange for the contract indemnifying the insured against potential loss. Simply put this is the payment made by the insured to keep an insurance policy in effect.

Producer � A term used by the insurance industry to refer to agent, brokers, broker-agents, and solicitors.

Pro Rata Cancellation � A cancellation of a policy by an insurance company that returns the unearned premium to the policyholder (the portion of the premium for the remaining time period that the policy will not be in force).

Provisions � The statement of policy conditions in an insurance policy.

Qualified Medical Evaluator (QME) � Appointed and regulated by the Industrial Medical Council, a QME assesses an injured worker�s permanent impairment and limitations. Often, a QME performs a separate medical evaluation when the treating physicians assessment is disputed.

Quotation � An estimate of the cost of insurance based on the information supplied to the agent, broker, broker-agent, or the insurance company.

Recision (or Rescission) � The cancellation of an insurance policy back to its effective date resulting in a return of all premium charged.

Regulations � Requirements developed by the CDI that implement laws passed by the legislature. Regulations go through a public comment process and must be approved by the state Office of Administrative Law.

Reinstatement � The restoration of a lapsed or canceled policy.

Renewal -- The continuation of an insurance policy (offer of renewal) into a new term from the same insurance company that issued the existing policy.

Schedule Rating � A method of pricing property and liability insurance. Schedule Rating uses debits and credits to modify a base rate figured by the special characteristics of the risk exposure. Insurers develop Schedule Rating because actuarial experience shows a direct relationship between certain physical characteristics and the possibility of loss. Most schedule rating plans must be filed and approved by the CDI.

Second Party � The insurance company in an insurance contract.

Self-Insured Retention (SIR) � The portion of a property or liability loss retained by a policyholder.

Severity � The size of a loss. Loss severity is used as a factor in establishing premium rates.

Short Rate Cancellation � A cancellation initiated by policyholder request in which the premium returned is subject to an administrative penalty.

Subrogation � The process of recovering the amount of claim damages paid out to a policyholder from the legally liable party. When a company pursues the legally liable third party, they are required to include the policyholder�s deductible in the recovery process.

Third Party � An individual other than the policyholder or the insurance company who has suffered a loss and may be able to collect compensation under the policy due to the negligent acts or omissions of the policyholder.

Third Party Over � The legal doctrine that involves an injured employee bring suit against a third party who (for one reason or another) is able to bring an action against the employer.

Underwrite � The process to evaluate the insurance application and independent sources in order to verify the information provided and to determine the acceptability of the risk.

Underwriter � The person who performs the underwriting process to accept, reject, or modify risks on behalf of the insurer.

Unearned Premium -- The portion of the written premium applicable to the unexpired or unused part of the policy period for which the premium has been paid. For example, in an annual premium policy 11/12 of the premium is unearned at the end of the first month of the policy.

Waiver � The relinquishment of a known right, which may be expressed or implied.

Written Premium � The total premium on all policies written by an insurer during a specified period of time, regardless of what portion has been earned.

Workers Compensation Codes Listing (alphabetical)

Code Description

9549� Advertising Companies

3165(1)� Air-Conditioning and Refrigeration Equipment Mfg.

3805(1)� Aircraft Engine Mfg.

7428(2)� Aircraft Ground Schools - All employees

7409� Aircraft Operation - agricultural - flying crew

7410� Aircraft Operation - agricultural - not flying cre

7424(1)� Aircraft Operation - NOC - flying crew

7428(1)� Aircraft Operation - NOC - not flying crew

7424(2)� Aircraft Operation - patrol/photography - flying c

7424(3)� Aircraft Operation - Sales agencies - flying crew

7405� Aircraft Operation - Scheduled - flying crew

7403� Aircraft Operation - Scheduled - not flying crew

7421� Aircraft Operation - Transport Personnel - flying

7428(3)� Aircraft Remanufacture/Conversion/Modification

3830� Airplane Mfg.

7429� Airport Operators - all employees

8804(1)� Alcoholic and Drug Recovery Homes

9420� All other Municipal, State or Public Agency Employees

3066(3)� Aluminum Ware Mfg.

7332� Ambulance Services

9016(1)� Amusement Parks or Exhibitions - Maintenance

9180(1)� Amusement Parks or Exhibitions operations

4511� Analytical or Testing Laboratories - Including Outside Operations - N O C, N P D

8740(6)� Apartment or Condo Complex - seniors - prop mgmt supervisors

8740(1)� Apartment or Condo Complex Operation - Supervisors

9011� Apartment or Condominium Complex Operation - Not Homeowners Associations - All Other Employees - Including On - Site Managers, Resident Employees, and Resident Clerical Office Employees

9007� Apartment or Condominium Complex Operation For Seniors

5473� Asbestos Abatement

4740(2)� Asphalt or Tar Distilling

9182� Athletic Team - all other

9181� Athletic Team - all players

8820� Attorneys: All Employees Including Salespersons & Clerical Office Employees - N P D

3566� Audio / Visual Electronic Products Mfg

8803� Auditors, Accountants, Factory Cost or Office Systematizers - All Employees Including Clerical Office Employees - N P D

2797(2)� Auto Body Mfg. - pleasure cars

3815(2)� Auto Body Mfg. - truck, trailer or bus

3808� Auto or Motorcycle Mfg.

8391� Auto or Truck Dealers - other than salespersons

3821� Auto or Truck Dismantling

3805(3)� Auto or Truck Engine Mfg.

3807� Auto or Truck Radiator Mfg.

8748� Auto or Truck Salespersons

8392� Auto or Truck Storage Garages

3840� Auto, Truck or Motorcycles Parts Mfg.

5185� Automatic Sprinkler Installation (wage <$22/hr)- Within Buildings -- Including Storage and Yard Employees

5186� Automatic Sprinkler Installation (wage =>$22/hr)- Within Buildings -- Including Storage and Yard Employees

9522(3)� Automobile Body Upholstering

8324� Automobile Gasoline Stations - Retail - All Employees Including Cashiers - N P D

8393� Automobile or Automobile Truck Body, Repair, Paint

8389� Automobile or Automobile Truck Repair Shops - No Retail Gasoline Sales - N O C - N P D With Code 8388, Rubber Tire Dealers

8387� Automobile or Automobile Truck Service Stations Including Accessories & Spare Parts Departments & Cashiers - N O C, N P D With 8392, Automobile or Automobile Truck Storage Garages or Parking Stations or Lots & 8388, Rubber Tire Dealers

8397� Automobile or Automobile Truck Transmission Repairing & Rebuilding Including Removal & Installation Operations - N P D With 8389 - Automobile or Automobile Truck Repair Shops or Garages; 8387 - Automobile or Automobile Truck Service Stations

9516(2)� Automobile Radio and Telephone Installation or Ser

8390� Automobile Van Conversion or Customizing

4286� Bag Mfg - Plastic

2683� Bag Mfg - Traveling Bags or Hand Luggage

4279(2)� Bag Mfg. - Paper

2003� Bakeries & Cracker Mfg

8808� Banks - All Employees Including Appraisers, Bank guards & Attendants, Field Auditors, Office Machine Repair, Clerical Office Employees & Salespersons

9586� Barber Shops or Beauty Parlors - All Employees Including Receptionists

9053(1)� Baths - NOC

3647� Battery Mfg

3300� Bed Spring or Wire Mattress Mfg

7392� Beer or Ale Dealers - Wholesale or Combined Wholesale and Retail - All Operations - N P D With 2121 - Breweries

8078(2)� Beverage Preparation Shops--Not bars or taverns

9092(2)� Billiard Halls - all employees

4512� Biomedical Research Laboratories

3110(3)� Blacksmithing

6834� Boat Building or Repairing

8057� Boat Dealers - all operations

3726� Boiler Installation - Steam

3620(1)� Boilermaking - Plate Steel NOC

8742(2)� Book Binding Operation - Salesperson

4299(2)� Bookbinding - All Other Employees

8813(2)� Bookbinding Operation - Editing

2660� Boot or Shoe Mfg or Repairing

8264(2)� Bottle Dealers - secondhand

2163� Bottling - Beverages - No Spirituous Liquors

9092(1)� Bowling Centers

4243� Box Mfg - Folding Paper Boxes - N O C

4240� Box Mfg - Rigid Paper Boxes

2759� Box, Box Shook, Container or Pallet Mfg - Wood

9048(2)� Boy and Girl Scout Councils - all camp operations

8742(3)� Boy and Girl Scout Councils - Executive secretaries

2121� Breweries or Malt Houses - Including Bottling or Canning

4041(1)� Brick or Clay Products Mfg. - NOC

5040(2)� Bridge Building - Metal

6003(3)� Bridge or Trestle Construction - Wood

3372(3)� Buffing or Polishing of Metal - NOC

8204(1)� Building Material Dealers - 2nd hand materials

8232(2)� Building Material Dealers - Commercial - no 2nd hand materials

8740(2)� Building Operation - Commercial Properties - Supervisors

8740(3)� Building Operation - NOC - Property Mgmt. Supervisors

9015(1)� Building Operation NOC

4283� Building or Roofing Paper or Felt Preparation

9009� Buildings Operation - Commercial Properties - All Other Employees

7605(1)� Burglar Alarm and Security Systems Installation

7382� Bus or Limousine Operations

0079(2)� Bush Berry Crops

4717� Butter Substitute Mfg

2812� Cabinet Mfg - Wood - Including The Manufacture of Commercial or Industrial Fixtures

3076(5)� Cabinet or Enclosure Mfg. - Metal

5146(1)� Cabinet or Fixtures - Installation

7606� Cable Television Companies - All Employees Including Operation, Maintenance, Extension of Lines & Making Service Connections Including Shop

9048(1)� Camps - recreational and educational - all operations

3220� Can Mfg

6361(1)� Canal Construction - all operations

2113� Canneries - Fish

2111� Canneries - N O C, Including Fruit Preserving

2576� Canvas Goods Mfg - N O C - Shop Only

9185� Carnival or Circuses - all employees

5697(2)� Carpentry

5697(1)� Carpentry (wage >/= $21.00/hr.)

5645(1)� Carpentry - 1 or 2 family homes - < $21.00/hr

5645� Carpentry - Construction or Remodeling of The Construction of Private Garages and The Installation of Interior Trim, Builders Finish, Doors and Cabinet Work In Connection With Such Structures

5645(2)� Carpentry - dwellings not exceeding 3 sto. - < $21

5432� Carpentry - Interior Trim, >/= $21.00 per Hour - NOC

5403� Carpentry - Interior Trim, < $21.00 per Hour - NOC

2402� Carpet or Rug Mfg - Other Than Jute or Hemp Carpets or Rugs

2584� Carpet, Rug or Upholstery Cleaning - Shop or Outside N P D

4111(3)� Cathedral or Art Glass Window Mfg.

5020� Ceiling Installation - Suspended - Acoustical Grid Type

9220(1)� Cemetery Operation - all employees

8850� Check Cashers - all employees

4829� Chemical Mfg. - including mixing, blending & packaging

4828� Chemical Mixing, Blending & Repackaging Only

5222(2)� Chimney Construction - Stone, Brick or Concrete

9015(4)� Churches

8840� Churches-Clergy, organist and clerical office employees

4000(2)� Clay Digging

2702(2)� Clearing Land - all operations

8810(1)� Clerical Office Employees - N O C

3383(2)� Clock Mfg - Including Foundry Operations

2501(1)� Clothing Mfg.

9067(2)� Clubs - Boys and Girls - all employees

9060� Clubs - Country or Golf - All Employees Including Restaurant or Tavern Employees

9069� Clubs - Gaming - all employees

9061� Clubs - NOC - All employees

7207(2)� Clubs - Riding - all employees

9180(2)� Clubs - Shooting

9053(4)� Clubs - Swimming - all employees

9053(5)� Clubs - Tennis or Racquetball - all employees

2881(2)� Coffin or Casket Mfg. Or Assembly - Wood

9522(4)� Coffin or Casket Upholstery Work

9101� College or Schools - Private - not auto - Non-professional

8868� College or Schools - Private - not auto - Professional

5195� Communications Cabling - Within Buildings - Shop & Outside This Classification Is Applicable To Those Concerns Engaged In The Installation of Low-Voltage Cable For Voice or Data Transmission

3070� Computer Memory Disk Mfg - Rigid

3567� Computer or Computer Peripheral Equipment Mfg

5191(2)� Computer or Computer System Installation Inspection, Adjustment or Repair - Shop & Outside

4250(2)� Computer Printing Ribbon Mfg. Or Refurbishing

8859� Computer Programming or Software Development: All Employees Including Clerical Office Employees & Salespersons N P D

5222(1)� Concrete Construction - in connection with bridges

5213� Concrete Construction - NOC

5214� Concrete or Cement Work - Precast Products

5201(1)� Concrete or Cement Work - Sidewalks (wage < $19.00/hr.)

5205(1)� Concrete or Cement Work - Sidewalks (wage >/= $19.00/hr.)

5201(2)� Concrete or Cement Work - Slabs (wage < $19.00/hr.)

5205(2)� Concrete or Cement Work - Slabs (wage >/=$19.00/hr)

4034� Concrete Products Mfg. - Shop or Yard Work Only

5212� Concrete Pumping - all operations

6325� Conduit Construction - For Cable or Wires - Including Tunneling at Street Crossings

6504� Confections & Food Sundries Mfg or Processing - N O C

8851� Congregate Living facilities for the Elderly - no

8227� Construction or Erection: Permanent Yards For Maintenance of Equipment or Storage of Material

5606� Contractors: Construction or Erection - Executive Supervisors Exercising Supervision Through Superintendents & Foremen - No Direct Supervision

8829(2)� Convalescent Homes or Hospitals - all employees

3066(4)� Coppersmithing - Shop

4244� Corrugated or Fiber Board Container Mfg - Including Corrugating or Laminating of Paper

4623� Cosmetic, Personal Care or Perfumery Products Mfg - Production or Packaging - Not Manufacturing Ingredients

2211(1)� Cotton Batting, Wading or Waste Mfg

0044� Cotton Farms

4683(2)� Cottonseed Oil Mfg or Refining - inc. installation

2063� Creameries & Dairy Products Mfg

8801� Credit Unions - all employees

9220(2)� Crematory Operations - all employees

6361(2)� Cross Country Water Pipeline Construction - all op

0036� Dairy Farms

5207� Dam Construction - concrete - all operations

6011� Dam Construction - NOC - all operations

9059� Day Care Centers - child - not residential care facility

9529(2)� Decorating - Interior or Exterior

4692� Dental Laboratories - Including Foundry or Casting Operations

8839� Dentists & Dental Surgeons - All Employees Including Clerical Office Employees - N P D

7721(1)� Detective Agencies

3372(2)� Detinning

2142(2)� Distilling

9016(2)� Dog Shows - operation, care, custody and maintenance

5108� Door Installation - overhead doors

3060(2)� Door or Window Frame Mfg. - Metal

3060(1)� Door or Window Mfg. - Metal or Combined Metal & Glass

3060(3)� Door or Window Mfg. - Screen

5107� Door, Door Frame or Pre - Glazed Window Installation - Not Overhead Doors - N P D Except With 5146, Cabinet or Fixtures

2806(1)� Door, Sash or Window Mfg. - Wood

8810(2)� Draftsmen

4000(4)� Dredging

2501(4)� Dressmaking or Tailoring - Custom Exclusively

6235(3)� Drilling - geothermal wells

6204� Drilling - NOC

4611� Drug, Medicine or Pharmaceutical Preparations Mfg.

2586(1)� Dry Cleaning or Dyeing - N O C - Including, Repairing or Pressing, and Cash and Carry Departments On Plant Premises

2589� Dry Cleaning or Laundry - Retail - Including Repairing or Pressing, and Cash and Carry Departments On Premises

3570� Electric Appliance Mfg - N O C

3643(2)� Electric Control Panel or Switchgear Mfg.

7539� Electric Light or Power Companies - all operations

7538� Electric Light or Power Construction

3643(1)� Electric Power or Transmission Equipment Mfg.

3179� Electrical Apparatus Mfg - N O C - Including Electrical Appliances - N P D With 3643, Electrical Power or Transmission Equipment Mfg

3568� Electrical Connector Mfg - N P D With 3651, Electrical Wire Harness Mfg

3724(2)� Electrical Machinery - Installation or Repair

3569� Electrical Motor Mfg or Repair

3651� Electrical Wire Harness Mfg

5190� Electrical Wiring -Within Buildings- (wage <$22) Including Installation or Repair of Fixtures or Appliances - Shop and Outside

5140� Electrical Wiring -Within Buildings- (wage =>$22) Including Installation or Repair of Fixtures or Appliances - Shop and Outside

3178� Electronic Element Mfg - N O C, N P D

3372(1)� Electroplating

5160� Elevator Erection or Repair

8720(2)� Elevator Inspecting - no service inspections

8729� Elevator Service Inspections, Oiling and Adjusting

3081(2)� Enameled Ironware Mfg.

8601(1)� Engineers - Consulting

3131(2)� Engraving

4251� Envelope Mfg - N P D

8028(1)� Equipment or Machinery Rental Yards - not dealers

6218(1)� Excavation - NOC - < $23/hr.

6220(1)� Excavation - NOC - > $23/hr.

9053(2)� Exercise or Health Institutes - all employees

4771(1)� Explosive Mfg.

8116� Farm Machinery Dealers - shop and outside

0050� Farm Machinery Operation - by contractors

2211(3)� Felting Mfg

6400� Fence Construction - Metal or Wood

4239(2)� Fibre Preparation - Wood

0171� Field Crops

7605(2)� Fire Alarm Systems Installation Service or Repair

7706� Firefighters - not volunteers

7707� Firefighters - volunteers

3180� Fixtures or Lamp Mfg or Assembly - Metal, Electric or Gas

9521(2)� Floor Covering Installation

5102(3)� Floor Installation - elevated

0035� Florist-Cultivating or Gardening

2501(6)� Flower or Flower Arrangement Mfg - Artificial

3110(1)� Forging Works - drop or machine

6258� Foundation Preparation Work - including foundation

3339� Foundries - investment casting - all operations

3081(1)� Foundries - iron - NOC

3085� Foundries - non-ferrous - NOC

3082� Foundries - steel castings

7360� Freight Handlers - packing or handling merchandise

2108� Fruit - citrus fruit packing and handling

2109� Fruit - dried fruit packing and handling

2107� Fruit - fresh fruit packing and handling

2116� Fruit Juice or Concentrate Mfg

2102� Fruit or Vegetable Evaporation or Dehydrating

8232(3)� Fuel and Material Dealers - NOC

9620� Funeral Directors - All Employees

2623(2)� Fur Mfg - preparing skins

3175� Furnace, Heater or Radiator Mfg.

9522(2)� Furniture - Upholstering

2881(1)� Furniture Assembling - Other Than Metal

3076(1)� Furniture Mfg. - metal

2883� Furniture Mfg. - wood - including assembling or fi

8293(2)� Furniture Moving - including packing or handling o

3372(4)� Galvanizing or Tinning

9403(1)� Garbage, Ashes or Refuse Collecting

9424� Garbage, Ashes or Refuse Dump Operations - all emp

6315(2)� Gas Mains or Connections Construction - < $21.00/h

6316(2)� Gas Mains or Connections Construction - > $21.00/h

7500� Gas Works - all operations - including constructio

4983� Gasket Mfg

8350� Gasoline or Oil Dealers - wholesale

4740(3)� Gasoline Recovery - from casing head or natural ga

3401(2)� Gate or Corral Mfg. - tube or pipe stock

8601(3)� Geophysical Exploration - including mapping of sub

4130� Glass Merchants - Including Bending, Grinding, Beveling or Silvering - Plate Glass

4111(1)� Glassware Mfg. - No Automatic Machines

5467� Glaziers - Away From Shop - (wage <$21/hr)

5470� Glaziers - Away From Shop - (wage =>$21/hr)

4665(2)� Glue Mfg. - from animal by products

3574(2)� Golf Club or Fishing Rod Mfg. Or Assembly

6218(2)� Grading Land - NOC - < $23/hr.

6220(2)� Grading Land - NOC - > $23/hr.

8304� Grain Elevators or Grain Storage Warehouses

3146(1)� Hardware Mfg.

5436� Hardwood Floor Laying - including finishing

2501(2)� Hat Mfg.

8215(1)� Hay, Grain or Feed Dealers

3146(2)� Heat Treating - Metal

2623(3)� Hide processing or preserving

8852� Home Infusion Therapists - all employees

8827(1)� Homemaker Services - all employees

9066� Homeowners Association - Not Building Operations

9016(3)� Horse Shows - operation, care of premises

7207(3)� Horse Shows - stable employees

9043� Hospitals - all employees

8831(1)� Hospitals - Veterinary

9050(1)� Hotels

9521(1)� House Furnishings

9519(1)� Household Appliances - Installation

9033� Housing Authorities - all employees

8078(3)� Ice Cream or Frozen Yogurt Shops

2150� Ice Mfg

4111(2)� Incandescent Lamp and Fluorescent Tube Mfg.

3828� Incidental Machining - N P D

4557� Ink Mucilage or Polish Mfg

8720(1)� Inspection for Insurance or Valuation

8830� Institutional Employees - hospitals, sanitariums,

5128� Instrument - professional or scientific - installation

3681� Instrument Mfg.

5479� Insulation Work - Installation or Application of Acoustical or Thermal Insulating Materials In Buildings or Within Building Walls - NOC

8822� Insurance Companies

4112� Integrated Circuit and Semiconductor Wafer Mfg

4114� Integrated Circuit and Semiconductor Wafer Mfg

8265(1)� Iron or Scrap Dealers

5057� Iron or Steel Erection - NOC

5059� Iron or Steel Erection - structural - less than 2

5040(1)� Iron or Steel Erection - structural and exterior i

8106� Iron or Steel Merchants - not junk dealers or iron

3030� Iron or Steel Works - structural - shop

3040� Iron Works - Shop - Fabricating Assembling or Manufacturing Ornamental Brass, Bronze or Iron Work, Railings Balconies, Fire Escapes, Staircases, Iron Shutters or Other Non-Structural Iron or Steel Work - N P D With 3030 Iron or Steel Works

5102(1)� Iron, Steel, Brass, Bronze or Aluminum Erection -

6364� Irrigation Pipe Installation - agricultural - all

9008� Janitorial Services

6361(3)� Jetty or Breakwater Construction - all operat. to

3383(1)� Jewelry Mfg - Including Foundry Operations

8265(2)� Junk Dealers - NOC

8831(3)� Kennels - all employees - including receptionists

2362� Knitting

8755� Labor Unions - employees engaged outside of office

2501(5)� Lampshade Mfg

6218(3)� Land Leveling - grading farm lands - < $23/hr.

6220(3)� Land Leveling - grading farm lands - > $23/hr.

0042� Landscape Gardening- All Operations Including Maintenance of Garden

5443� Lathing

2585� Laundries - N O C - All Employees - Including Cash & Carry Departments On Plant Premises

4567� Lead Mfg., Reclaiming or Alloying - red or white

2688� Leather Goods Mfg - N O C

4150(2)� Lens Mfg.

9015(5)� Libraries - all employees other than librarians

8810(3)� Libraries - Librarians or Professional Assistants

8810(4)� Libraries - Public

8286(2)� Livestock Auctioneers - including inside or outside

8286(1)� Livestock Dealers or Commission Merchants - NOC

2710(2)� Log Chipping

2727� Log hauling - incl. terminal, garage and repair em

2702(1)� Logging or Lumbering

8232(1)� Lumberyard - Commercial

2002� Macaroni Mfg

3574(1)� Machine Mfg - Office or Sewing - N O C

3831� Machine Shops - aircraft components

3632� Machine Shops - N O C

8267� Machinery and Equipment Dealers - secondhand

8107� Machinery Dealers - NOC - including demonstration

3560(1)� Machinery Mfg. - commercial food processing equipment

3560(2)� Machinery Mfg. - industrial - NOC

3560(3)� Machinery Mfg. - material handling equipment

3501(1)� Machinery Mfg. - Portable Tools & Lawn Care

3501(2)� Machinery Mfg. - swimming pool and sea

3507� Machinery or Equipment Mfg - Agricultural, Construction, Mining or Ore Milling

8028(2)� Machinery or Equipment Rental Yards - not new or u

4922� Magnetic Tape Mfg

7232� Mail Delivery Service Companies - under contract w

8800� Mailing or Addressing Companies Including Clerical Office Employees - N P D

7248� Marine Appraisers or Surveyors

5027� Masonry - Employees Whose Regular Hourly Wage Does Not Equal or Exceed $1900 Per Hour - N O C

5028� Masonry - Wage Equals or Exceeds $19.00./hr - N O C

2570� Mattress or Box Springs Mfg - Including Pillow, Quilt or Cushion Mfg

2095� Meat Products Mfg - N O C - Including Canning

3572� Medical Instrument Mfg - Electronic - Diagnostic or Treatment

3400� Metal Goods Mfg - N O C

8500� Metal Scrap Dealers - collection, sorting and redu

3724(1)� Millwright Work - NOC - erection or repair of mach

7219(3)� Mobile Crane and Hoisting Service Contractors - NO

2797(1)� Mobilehome Mfg.

9010� Mobilehome Park Operation - all other employees

8740(4)� Mobilehome Park Operation - property mgmt supervisors

8743� Mortgage Brokers - All Employees Including Clerical Office Employees and Salespersons

9050(2)� Motels

9610� Motion Pictures - Productions - In Studios and Outside - All Operations Up To The Development of Negatives

4360� Motion Pictures: Development of Negatives, Printing & All Subsequent Operations Except The Marketing of The Product Through Film Exchanges - at Location Other Than The Studio

4362� Motion Pictures: Film Exchanges - Not Located at Motion Picture Studio - Including Projection Rooms, Clerical Office Employees

8400� Motorcycle Dealers - all operations

8838� Municipal Township or County Employees - Curators or Professional Assistants Including Clerical Office Employees

9410� Municipal, State or Public Agency Employees - no m

2923� Musical Instrument Mfg - Other Than Metal - NOC

3152(1)� Nail, Tack or Rivet Mfg.

8745� News Agents or Distributors of Magazines or Other Periodicals - Not Retail Including Salespersons

4312� Newspaper Delivery

4304� Newspaper Publishing or Newspaper Printing - All Other Employees Including Miscellaneous Employees

8818� Newspaper Publishing or Newspaper Printing - editing

8742(4)� Newspaper Publishing or Newspaper Printing - reporters

8807� Newspaper, Magazine or Book Publishing - no printi

0005� Nurseries - Propagation and Cultivation of Nursery Stock

8829(1)� Nursing Homes - all employees

3152(2)� Nut, Bolt or Screw Mfg.

5191(1)� Office Machine Installation, Inspection, Adjustment or Repair - N O C - Shop & Outside

4683(1)� Oil mfg. or refining - vegetable - NOC

8601(2)� Oil or Gas Geologists or Scouts

6216� Oil or Gas Lease Work - NOC - not lease operators

6233� Oil or Gas Pipeline Construction

7515� Oil or Gas Pipeline Operation

3719� Oil or Gas Refining, Distilling or Compressing Uni

8113� Oil or Gas Well Supplies or Equipment Dealers - se

8111(2)� Oil or Gas Well Supplies or Equipment Dealers - st

6206(2)� Oil or Gas Wells - acidizing - all operations

6206(1)� Oil or Gas Wells - cementing

6235(1)� Oil or Gas Wells - drilling or redrilling

6206(4)� Oil or Gas Wells - gravel packing

6235(2)� Oil or Gas Wells - installation or recovery of cas

6237(2)� Oil or Gas Wells - perforating of casing - all ope

6213� Oil or Gas Wells - specialty tool companies - NOC

6206(3)� Oil or Gas Wells - vacuum truck service companies

6237(1)� Oil or Gas Wells - wireline service companies - in

4740(1)� Oil Refining - petroleum

2106(1)� Olive Handling

4150(1)� Optical Goods Mfg.

0016� Orchards - Citrus and Deciduous Fruits

0045� Orchards - nut crops

4691� Orthotic or Prosthetic Device Mfg - Including Fitting and Adjusting

4635� Oxygen or Hydrogen Mfg. - including tank charging

7207(4)� Pack Trains - all employees

4558(1)� Paint, Varnish or Lacquer Mfg.

9501(3)� Painting - automobile or truck bodies - no body or

5474(3)� Painting - oil or gasoline storage tanks (wage <$19/hr) - including shop operations

5482(3)� Painting - oil or gasoline storage tanks (wage=>$19/hr) - including shop operations

9501(1) � Painting - Shop Only

5040(3)� Painting - steel structures or bridges

5474(1)� Painting, Decorating or Paper Hanging (wage <$19/hr) - including shop operations -N.O.C.

5482(1)� Painting, Decorating or Paper Hanging (wage =>$19/hr) - including shop operations -N.O.C.

2757(2)� Pallet Dealers - secondhand

2757(1)� Pallet Mfg., Repair or Reconditioning - wood

4250(1)� Paper Coating or Laminating

4279(1)� Paper Goods Mfg. - NOC

4239(1)� Paper or Pulp Mfg.

8264(1)� Paper Stock Dealers - secondhand

7198� Parcel Delivery Companies: No Handling of Bulk Merchandise or Freight

7721(2)� Patrol or Guard Services - in connection with indu

2790� Pattern or Model Mfg - Metal, Plastic, or Wood

4432� Pen or Mechanical Pencil Mfg

9031� Pest Control - all operations - including yard employees

4351� Photo Engraving - N P D

4297� Photo Typesetting - All Operations - Including Clerical Office Employees N P D

4361(2)� Photofinishing

4361(1)� Photographers - All Employees

8834� Physicians - All Employees Including Clerical Office Employees - N P D

2106(2)� Pickle Mfg

2840(1)� Picture Frame Assembly

2840(2)� Picture or Artwork Framing

6003(1)� Pile Driving

2571� Pillow, Quilt or Cushion Mfg - No Mattress or Box Spring Mfg

3022� Pipe or Tube Mfg - other than iron or steel

8240(2)� Pipe Reclaiming

2731� Planing or Moulding Mills

4036� Plaster Board or Plaster Board Mfg.

4038(1)� Plaster Statuary or Ornament Mfg.

5485� Plastering or Stucco Work - (wage =>$20/hr)

5484� Plastering or Stucco Work - (wage<$20/hr)

4478� Plastic Goods Mfg - N O C

4494� Plastics - Blow Molded Products Mfg - N O C

4495� Plastics - Extrusion Molded Products Mfg N O C

4496� Plastics - Fabricated Products Mfg - No Molding - N O C

4497� Plastics - Fiber Reinforced Plastic Products Mfg - N O C

4499� Plastics - Thermoformed Products Mfg - N O C

4498� Plastics Injected Molded Products Mfg - N O C

3620(2)� Plate Steel Products Fabrication - NOC

8111(1)� Plumbers Supplies Dealers - Wholesale

5183(1)� Plumbing (wage < $21.00/hr.)

5187(1)� Plumbing (wage >/= $21.00/hr.)

7722� Police, Sheriffs, Constables, Marshalls, Animal Co

7720� Police, Sheriffs, Constables, Marshals, Animal Co

0041� Potato Crops

4049(1)� Potteries - Glazed or Porcelain Earthenware

0034(1)� Poultry Raising, Egg Production

3573� Power Supply Mfg-NPD

3577� Printed Circuit Board Assembling - by Contractor - N P D

4354� Printed Circuit Board Mfg N P D

4299(1)� Printing - All Other Employees

8019� Printing - Quick Printing or Photocopying - All Employees - Including Clerical Office Employees and Salespersons

8846(1)� Printing - Screen Printing - Editing

4295(1)� Printing - Screening Printing - All Other Employee

8813(1)� Printing Operation - Editing

8742(5)� Printing Operation - Salesperson

8875(1)� Public Colleges or Schools - all employees

8827(2)� Public Health Nursing Associations - all employees

3612� Pump or Hydraulic Apparatus Mfg or Repair - N O C

8278� Racing Stables - jockeys employed on a per race ba

8631� Racing Stables - operation

3578� Radio & Television Broadcasting / Receiving Equipment Mfg

7610� Radio, Television or Commercial Broadcasting Stations - All Employees, Including Clerical Office Employees and Salespersons

7855� Railroad Construction - all operations

7133� Railroads - NOC - operation and maintenance - all

8741� Real Estate Agencies - All Employees - Including Clerical Office Employees and Salespersons

2797(3)� Recreational Vehicle Mfg.

5183(2)� Refrigeration Equipment (wage < $21.00/hr.)

5187(2)� Refrigeration Equipment (wage >/= $21.00/hr.)

3165(2)� Refrigerator Mfg. - Metal

3039� Reinforcing or Steel Fabrication - permanent shop or yard

5225� Reinforcing Steel Installation

4665(1)� Rendering or Fertilizer Works

9070(3)� Residential Care Facilities for Adults - NOC - all

8823� Residential Care Facilities for Children - NOC -

9085� Residential Care Facilities for the Developmental

9070(1)� Residential Care Facilities for the Elderly - NOC

9096� Residential Cleaning Services by Contractors

4558(2)� Resin Mfg. - synthetic

8829(4)� Rest Homes - all employees

9079(1)� Restaurant or Taverns

9422� Road Districts or Departments - all operations

4771(2)� Rocket Propellant Mfg. - solid propellant

5552� Roofing - all kinds - including yard employees - <

5553� Roofing - all kinds - including yard employees - >

4410� Rubber Goods Mfg - N O C

8264(3)� Rubber Stock Dealers - secondhand

8388� Rubber Tire Dealers - Wholesale or Retail, or Combined Wholesale or Retail Including Inside Salespersons & Cashiers; Repairing & Adjusting Tires Away From Premises; & Accessories & Spare Parts Department

4414� Rubber Tire Mfg.

4420� Rubber Tire Recapping or Retreading

8742(1)� Salespersons - Outside

4000(3)� Salt Production - by solar evaporation exclusively

8847� Salvage Material Dealers: Beverage Container Collection or Redemption - N P D at Processing Facilities

4000(1)� Sand or Gravel Digging

8078(1)� Sandwich Shops--Not Restaurants--N.O.C.

8829(5)� Sanitariums - all employees

9426� Sanitary Companies - Firms Engaged In The Cleaning of Septic Tanks, Cesspools & Chemical Portable Toilets - All Employees

7580� Sanitary or Sanitation Districts Operation - all e

2710(1)� Sawmills or Shingle Mills - all employees

9529(1)� Scaffold, Shoring, Concrete or Cement Distributing

4295(2)� Screen Printed Merchandise Dealers - All Other Emp

8846(2)� Screen Printed Merchandise Dealers - Editing

3152(3)� Screw Machine Products Mfg. - NOC

8102� Seed Merchants

5951� Serum, Anti-toxin or Virus Mfg.

6307� Sewer Construction - All Operations - Including Construction of Laterals and Tunneling at Street Crossing - Employees Whose Regular Hourly Wage Does Not Equal or Exceed $2100 Per Hour

6308� Sewer Construction - All Operations - Including Construction of Laterals and Tunneling at Street Crossing - Employees Whose Regular Hourly Wage Equals or Exceeds $2100 Per Hour

9402� Sewer or Tank Cleaning - NOC

0034(2)� Sheep raising and Hog Farms

3066(1)� Sheet Metal Products Mfg.

5538� Sheet Metal Work (wage <$20/hr) Erection, Installation or Repair - Shop and Outside - Including Installation of Furnaces or Air - Conditioning System N O C

5542� Sheet Metal Work (wage =>$20/hr) Erection, Installation or Repair - Shop and Outside - Including Installation of Furnaces or Air - Conditioning System N O C

8806� Sheltered Workshops or Work Activity Centers - all

9180(3)� Shooting Galleries

2806(2)� Shutter Mfg. - Wood

2606(2)� Shutter Mfg. - Wood

9552� Sign Erection or Repair - NOC

5146(2)� Sign Installation or Repair - Interior or Affixed

4492� Sign Mfg - Metal, Plastic or Wood - N O C

9507(2)� Sign Mfg. - Quick Sign Shops

9507(1)� Sign Painting or Lettering

9092(3)� Skating Centers - ice or roller - all employees

9092� Skating Centers Ice or Roller All Employees Including Restaurant or Tavern Employees

9184� Ski Resorts - Alpine - all operations

4720� Soap or Synthetic Detergent Mfg

8804(2)� Social Rehabilitation Facilities for Adults - all

3165(3)� Solar Panel Mfg.

7605(3)� Sound System Installation

2222� Spinning or Weaving - natural & synthetic fibres -

7207(1)� Stables - all employees

5184� Steam Pipe or Boiler Insulation

5632� Steel Framing - light gauge - commercial - < $21.0

5633� Steel Framing - light gauge - commercial - > $21.0

5630� Steel Framing - light gauge - residential - < $21.

5631� Steel Framing - light gauge - residential - > $21.

3018� Steel Making

8017(7)� Store Hardware - Retail

8017(1)� Store Retail NOC

8046� Stores - Automobile Accessories - Retail - Including Inside or Outside Salespersons - Npd With 3821

8046� Stores - Automobile Accessories - Wholesale - Including Inside or Outside Salespersons - Npd With 3821

8071� Stores - Books - Retail

8059� Stores - Ceramic Tile - Retail

8059� Stores - Ceramic Tile - Wholesale

8008� Stores - Clothing, Wearing Apparel or Dry Goods - Retail Including Alteration Department

8032� Stores - Clothing, Wearing Apparel or Dry Goods - Wholesale

8062� Stores - Computer - Retail - Including Outside Salespersons

8062� Stores - Computer - Wholesale - Including Outside Salespersons

8006(3)� Stores - Delicatessen - Retail

8013(2)� Stores - Eyewear - Wholesale or Retail

8117� Stores - feed, tack and farm supplies - retail

8042� Stores - Floor Covering - Retail - Carpet, Rugs, Vinyl or Linoleum - Including Showroom Sales

8042� Stores - Floor Covering - Wholesale - Carpet, Rugs, Vinyl or Linoleum - Including Showroom Sales

8001� Stores - Florists Including Service Away From Premises

8006(2)� Stores - Fruit or Vegetables - Retail

8015� Stores - Furniture - Wholesale or Retail

8004� Stores - Garden Supplies - N O C This Classification Applies To Firms Which Maintain A Display Area For The Sale of Purchased Nursery Stock, Such As Bedding Plants, Sod, Ornamental Trees and Ground Cover

8061� Stores - Groceries & Provisions - Convenience - Retail

8006(1)� Stores - Groceries and Provisions - Retail

8063� Stores - Lighting Fixtures - Wholesale or Retail

8031� Stores - Meat, Fish or Poultry - Retail

8021� Stores - Meat, Fish or Poultry Wholesale - N P D With 2081- Butchering

8064� Stores - Office Supplies & Stationery Including Incidental Sale of Office Machines or Office Furniture - Retail

8064� Stores - Office Supplies & Stationery Including Incidental Sale of Office Machines or Office Furniture - Wholesale

8065� Stores - Paint or Paint Supplies - Retail

8065� Stores - Paint or Paint Supplies - Wholesale

8070� Stores - Videotapes - Rental or Sale - Rental or Sale - Retail

8110� Stores - welding supplies - wholesale or retail

8018� Stores - Wholesale - N O C

8041� Stores - Wine or Spirits - Wholesale Including Blending, Rectifying, Distilling or Bottling

8060� Stores - wine, beer or spirits - retail

8013(1)� Stores Jewelry - Wholesale or Retail

8066� Stores: Bicycles & Bicycle Accessories - Retail Including Repairs or Rental Operations

8066� Stores: Bicycles & Bicycle Accessories - Wholesale Including Repairs or Rental Operations

8039� Stores: Department Stores - Retail Including Clerical Office Employees & Salespersons

3169� Stove Mfg.

0079(1)� Strawberry Crops

5506� Street or Road Construction: Paving or Repaving, Surfacing or Resurfacing, or Scraping All Kinds Including Airport Runways, Warming Aprons, Incidental Field Plants, Fence or Guard Rail Construction

5507� Street or Road Construction: Grading - All Operations of Bringing Roadbed To Grade, Including Clearing, Grubbing, Right-Of-Way & Temporary Surfacing

9403(2)� Street Sweeping Service Companies

6254� Subway Construction - all operations

2030� Sugar Mfg or Refining - beet or cane

8875(2)� Superintendent of Public Schools Office - all employees

9097� Swimming Pool Cleaning & Servicing by Specialty Contractors

9053(3)� Swimming Pools - commercial - all employees

3131(1)� Tag, Button or Fastener Mfg.

2626(1)� Tanning

7365� Taxicab Operations - all employees

4038(2)� Taxidermist

7600� Telecommunications Companies - all employees

3579� Telephone or Telephone Equipment Mfg

5191(3)� Telephone or Telephone System Installation or Repair

7601� Telephone, Telegraph or Fire Alarm Line Constructi

9516(1)� Television, Video, Audio & Radio Equip. Installation

9529(3)� Tent - erection, removal or repair - away from shop

5650� Termite Control Work - all operations - incl. yard

4049(2)� Terra Cotta Mfg - For Decorative or Architectural Purposes, Not Fireproofing Tile

2413� Textiles - bleaching, dyeing, mercerizing - new go

9156� Theaters - dance, opera and theater companies - al

9155� Theaters - motion picture - all employees

9151� Theaters - music ensembles - all performers and di

9154� Theaters - not motion picture - all employees other than performers and directors

4041(2)� Tile or Earthenware Mfg. - NOC

5348� Tile, Stone, Mosaic or Terrazzo Work - Interior Construction Only - Not Fireproof - Tile Construction

3110(2)� Tool Mfg - hot formed tools - including trimming o

3099� Tool Mfg - NOC

8017(8)� Towel or Toilet Supply Companies

3383(4)� Trophy Mfg.

0172� Truck Farms

3815(1)� Truck or Truck Trailer Mfg.

7219(2)� Trucking

7219(1)� Trucking Firms - NOC - including terminal employee

2819� Truss or Building Components Mfg - wood - shop

3401(1)� Tube or Pipe Products Mfg. - NOC

6251� Tunneling - all work to completion - including lin

4250(3)� Typewriter Ribbon Mfg. Or Refurbishing

2501(3)� Umbrella Mfg

9522(1)� Upholstering - N P D Except In Connection With Code 2812 - Cabinet Mfg - Wood

3634� Valve Mfg - N O C

2117� Vegetable or Fruit Processors - frozen

8209� Vegetables - fresh vegetable and tomato packing an

9079(2)� Vending Concessionaires - dispensing food, drinks,

5192� Vending or Coin Operated Machines - Installation, Service or Repair - Including Storage, Shop, Outside Operation & Salespersons

2915� Veneer or Veneer Products Mfg - N O C

7607� Video Post Production - Computer or Electronic - All Employees - Including Clerical Office Employees and Salespersons - N P D

2142(3)� Vinegar Mfg.

0040� Vineyards

4831� Vitamin or Food Supplement Mfg - Compounding, Blending or Packaging Only - Not Manufacturing Ingredients

5447� Wallboard Application - Within Buildings (wage =>$21/hr) Installation or Application of Gypsum Wallboard Including Finishing and Preparation Prior To Painting - N O C

5446� Wallboard Application - Within Buildings-(wage <$21/hr) Installation or Application of Gypsum Wallboard Including Finishing and Preparation Prior To Painting - N O C

8291� Warehouses - Cold Storage

8293(1)� Warehouses - furniture - including packing and handling

8292� Warehouses - general merchandise - NOC

8215(2)� Warehouses - Grain or Bean

8290� Warehouses - Self Storage - All Other Employees - Including On - Site Managers, Resident Employees and Resident Clerical Office Employees

8740(5)� Warehouses - self storage - property mgmt supervisors

3383(3)� Watch Mfg - Including Foundry Operations

7721(3)� Watchpersons or Guards - block or special police

6315(1)� Water Mains or Connections Construction - < $21.00

6316(1)� Water Mains or Connections Construction - > $21.00

9519(4)� Water Softening or Conditioning System - Installation

7272� Water Truck Service Companies - all operations

5474(2)� Waterproofing (wage < $19.00/hr.)

5482(2)� Waterproofing (wage >/= $19.00/hr.)

7520� Waterworks - operation - all employees - incl. Con

8720(3)� Weighers, Samplers or Inspectors of Merchandise on

3365� Welding or Cutting - NOC - shop or outside

6003(2)� Wharf Building - timber - including pile driving

3076(6)� Wheelchair Mfg. - Metal

9522(5)� Wheelchair Upholstering

2852� Window Blind Mfg or Assembly - All Types

9521(3)� Window Covering - Installation

2142(1)� Wineries

8103� Wiping Cloth or Rag Dealers - including all laundr

3241(2)� Wire Drawing

3257� Wire Goods Mfg - N O C

4470� Wire Rope or Cable Mfg - No Wire Drawing

3241(1)� Wire Rope or Cable Mfg. - Including Wire Drawing

2702(3)� Wood Chopping or Tie Making

2842� Wood Products Mfg - N O C

2710(3)� Wood Treating or Preserving - including yard

2211(4)� Wool Combing or Scouring

2586(2)� Yarn or Thread Dyeing or Finishing

9067(1)� YMCA or YWCA institutions - all employees

Workers� Compensation Codes Listing (by class code)

Code Description

0005� Nurseries - Propagation and Cultivation of Nursery Stock

0016� Orchards - Citrus and Deciduous Fruits

0034(1)� Poultry Raising, Egg Production

0034(2)� Sheep raising and Hog Farms

0035� Florist-Cultivating or Gardening

0036� Dairy Farms

0040� Vineyards

0041� Potato Crops

0042� Landscape Gardening- All Operations Including Maintenance of Garden

0044� Cotton Farms

0045� Orchards - nut crops

0050� Farm Machinery Operation - by contractors

0079(1)� Strawberry Crops

0079(2)� Bush Berry Crops

0171� Field Crops

0172� Truck Farms

2002� Macaroni Mfg

2003� Bakeries & Cracker Mfg

2030� Sugar Mfg or Refining - beet or cane

2063� Creameries & Dairy Products Mfg

2095� Meat Products Mfg - N O C - Including Canning

2102� Fruit or Vegetable Evaporation or Dehydrating

2106(1)� Olive Handling

2106(2)� Pickle Mfg

2107� Fruit - fresh fruit packing and handling

2108� Fruit - citrus fruit packing and handling

2109� Fruit - dried fruit packing and handling

2111� Canneries - N O C, Including Fruit Preserving

2113� Canneries - Fish

2116� Fruit Juice or Concentrate Mfg

2117� Vegetable or Fruit Processors - frozen

2121� Breweries or Malt Houses - Including Bottling or Canning

2142(1)� Wineries

2142(2)� Distilling

2142(3)� Vinegar Mfg.

2150� Ice Mfg

2163� Bottling - Beverages - No Spirituous Liquors

2211(1)� Cotton Batting, Wading or Waste Mfg

2211(3)� Felting Mfg

2211(4)� Wool Combing or Scouring

2222� Spinning or Weaving - natural & synthetic fibres -

2362� Knitting

2402� Carpet or Rug Mfg - Other Than Jute or Hemp Carpets or Rugs

2413� Textiles - bleaching, dyeing, mercerizing - new go

2501(1)� Clothing Mfg.

2501(2)� Hat Mfg.

2501(3)� Umbrella Mfg

2501(4)� Dressmaking or Tailoring - Custom Exclusively

2501(5)� Lampshade Mfg

2501(6)� Flower or Flower Arrangement Mfg - Artificial

2570� Mattress or Box Springs Mfg - Including Pillow, Quilt or Cushion Mfg

2571� Pillow, Quilt or Cushion Mfg - No Mattress or Box Spring Mfg

2576� Canvas Goods Mfg - N O C - Shop Only

2584� Carpet, Rug or Upholstery Cleaning - Shop or Outside N P D

2585� Laundries - N O C - All Employees - Including Cash & Carry Departments On Plant Premises

2586(1)� Dry Cleaning or Dyeing - N O C - Including, Repairing or Pressing, and Cash and Carry Departments On Plant Premises

2586(2)� Yarn or Thread Dyeing or Finishing

2589� Dry Cleaning or Laundry - Retail - Including Repairing or Pressing, and Cash and Carry Departments On Premises

2606(2)� Shutter Mfg. - Wood

2623(2)� Fur Mfg - preparing skins

2623(3)� Hide processing or preserving

2626(1)� Tanning

2660� Boot or Shoe Mfg or Repairing

2683� Bag Mfg - Traveling Bags or Hand Luggage

2688� Leather Goods Mfg - N O C

2702(1)� Logging or Lumbering

2702(2)� Clearing Land - all operations

2702(3)� Wood Chopping or Tie Making

2710(1)� Sawmills or Shingle Mills - all employees

2710(2)� Log Chipping

2710(3)� Wood Treating or Preserving - including yard

2727� Log hauling - incl. terminal, garage and repair em

2731� Planing or Moulding Mills

2757(1)� Pallet Mfg., Repair or Reconditioning - wood

2757(2)� Pallet Dealers - secondhand

2759� Box, Box Shook, Container or Pallet Mfg - Wood

2790� Pattern or Model Mfg - Metal, Plastic, or Wood

2797(1)� Mobilehome Mfg.

2797(2)� Auto Body Mfg. - pleasure cars

2797(3)� Recreational Vehicle Mfg.

2806(1)� Door, Sash or Window Mfg. - Wood

2806(2)� Shutter Mfg. - Wood

2812� Cabinet Mfg - Wood - Including The Manufacture of Commercial or Industrial Fixtures

2819� Truss or Building Components Mfg - wood - shop

2840(1)� Picture Frame Assembly

2840(2)� Picture or Artwork Framing

2842� Wood Products Mfg - N O C

2852� Window Blind Mfg or Assembly - All Types

2881(1)� Furniture Assembling - Other Than Metal

2881(2)� Coffin or Casket Mfg. Or Assembly - Wood

2883� Furniture Mfg. - wood - including assembling or fi

2915� Veneer or Veneer Products Mfg - N O C

2923� Musical Instrument Mfg - Other Than Metal - NOC

3018� Steel Making

3022� Pipe or Tube Mfg - other than iron or steel

3030� Iron or Steel Works - structural - shop

3039� Reinforcing or Steel Fabrication - permanent shop or yard

3040� Iron Works - Shop - Fabricating Assembling or Manufacturing Ornamental Brass, Bronze or Iron Work, Railings Balconies, Fire Escapes, Staircases, Iron Shutters or Other Non-Structural Iron or Steel Work - N P D With 3030 Iron or Steel Works

3060(1)� Door or Window Mfg. - Metal or Combined Metal & Glass

3060(2)� Door or Window Frame Mfg. - Metal

3060(3)� Door or Window Mfg. - Screen

3066(1)� Sheet Metal Products Mfg.

3066(3)� Aluminum Ware Mfg.

3066(4)� Coppersmithing - Shop

3070� Computer Memory Disk Mfg - Rigid

3076(1)� Furniture Mfg. - metal

3076(5)� Cabinet or Enclosure Mfg. - Metal

3076(6)� Wheelchair Mfg. - Metal

3081(1)� Foundries - iron - NOC

3081(2)� Enameled Ironware Mfg.

3082� Foundries - steel castings

3085� Foundries - non-ferrous - NOC

3099� Tool Mfg - NOC

3110(1)� Forging Works - drop or machine

3110(2)� Tool Mfg - hot formed tools - including trimming o

3110(3)� Blacksmithing

3131(1)� Tag, Button or Fastener Mfg.

3131(2)� Engraving

3146(1)� Hardware Mfg.

3146(2)� Heat Treating - Metal

3152(1)� Nail, Tack or Rivet Mfg.

3152(2)� Nut, Bolt or Screw Mfg.

3152(3)� Screw Machine Products Mfg. - NOC

3165(1)� Air-Conditioning and Refrigeration Equipment Mfg.

3165(2)� Refrigerator Mfg. - Metal

3165(3)� Solar Panel Mfg.

3169� Stove Mfg.

3175� Furnace, Heater or Radiator Mfg.

3178� Electronic Element Mfg - N O C, N P D

3179� Electrical Apparatus Mfg - N O C - Including Electrical Appliances - N P D With 3643, Electrical Power or Transmission Equipment Mfg

3180� Fixtures or Lamp Mfg or Assembly - Metal, Electric or Gas

3220� Can Mfg

3241(1)� Wire Rope or Cable Mfg. - Including Wire Drawing

3241(2)� Wire Drawing

3257� Wire Goods Mfg - N O C

3300� Bed Spring or Wire Mattress Mfg

3339� Foundries - investment casting - all operations

3365� Welding or Cutting - NOC - shop or outside

3372(1)� Electroplating

3372(2)� Detinning

3372(3)� Buffing or Polishing of Metal - NOC

3372(4)� Galvanizing or Tinning

3383(1)� Jewelry Mfg - Including Foundry Operations

3383(2)� Clock Mfg - Including Foundry Operations

3383(3)� Watch Mfg - Including Foundry Operations

3383(4)� Trophy Mfg.

3400� Metal Goods Mfg - N O C

3401(1)� Tube or Pipe Products Mfg. - NOC

3401(2)� Gate or Corral Mfg. - tube or pipe stock

3501(1)� Machinery Mfg. - Portable Tools & Lawn Care

3501(2)� Machinery Mfg. - swimming pool and sea

3507� Machinery or Equipment Mfg - Agricultural, Construction, Mining or Ore Milling

3560(1)� Machinery Mfg. - commercial food processing equipment

3560(2)� Machinery Mfg. - industrial - NOC

3560(3)� Machinery Mfg. - material handling equipment

3566� Audio / Visual Electronic Products Mfg

3567� Computer or Computer Peripheral Equipment Mfg

3568� Electrical Connector Mfg - N P D With 3651, Electrical Wire Harness Mfg

3569� Electrical Motor Mfg or Repair

3570� Electric Appliance Mfg - N O C

3572� Medical Instrument Mfg - Electronic - Diagnostic or Treatment

3573� Power Supply Mfg-NPD

3574(1)� Machine Mfg - Office or Sewing - N O C

3574(2)� Golf Club or Fishing Rod Mfg. Or Assembly

3577� Printed Circuit Board Assembling - by Contractor - N P D

3578� Radio & Television Broadcasting / Receiving Equipment Mfg

3579� Telephone or Telephone Equipment Mfg

3612� Pump or Hydraulic Apparatus Mfg or Repair - N O C

3620(1)� Boilermaking - Plate Steel NOC

3620(2)� Plate Steel Products Fabrication - NOC

3632� Machine Shops - N O C

3634� Valve Mfg - N O C

3643(1)� Electric Power or Transmission Equipment Mfg.

3643(2)� Electric Control Panel or Switchgear Mfg.

3647� Battery Mfg

3651� Electrical Wire Harness Mfg

3681� Instrument Mfg.

3719� Oil or Gas Refining, Distilling or Compressing Uni

3724(1)� Millwright Work - NOC - erection or repair of mach

3724(2)� Electrical Machinery - Installation or Repair

3726� Boiler Installation - Steam

3805(1)� Aircraft Engine Mfg.

3805(3)� Auto or Truck Engine Mfg.

3807� Auto or Truck Radiator Mfg.

3808� Auto or Motorcycle Mfg.

3815(1)� Truck or Truck Trailer Mfg.

3815(2)� Auto Body Mfg. - truck, trailer or bus

3821� Auto or Truck Dismantling

3828� Incidental Machining - N P D

3830� Airplane Mfg.

3831� Machine Shops - aircraft components

3840� Auto, Truck or Motorcycles Parts Mfg.

4000(1)� Sand or Gravel Digging

4000(2)� Clay Digging

4000(3)� Salt Production - by solar evaporation exclusively

4000(4)� Dredging

4034� Concrete Products Mfg. - Shop or Yard Work Only

4036� Plaster Board or Plaster Board Mfg.

4038(1)� Plaster Statuary or Ornament Mfg.

4038(2)� Taxidermist

4041(1)� Brick or Clay Products Mfg. - NOC

4041(2)� Tile or Earthenware Mfg. - NOC

4049(1)� Potteries - Glazed or Porcelain Earthenware

4049(2)� Terra Cotta Mfg - For Decorative or Architectural Purposes, Not Fireproofing Tile

4111(1)� Glassware Mfg. - No Automatic Machines

4111(2)� Incandescent Lamp and Fluorescent Tube Mfg.

4111(3)� Cathedral or Art Glass Window Mfg.

4112� Integrated Circuit and Semiconductor Wafer Mfg

4114� Integrated Circuit and Semiconductor Wafer Mfg

4130� Glass Merchants - Including Bending, Grinding, Beveling or Silvering - Plate Glass

4150(1)� Optical Goods Mfg.

4150(2)� Lens Mfg.

4239(1)� Paper or Pulp Mfg.

4239(2)� Fibre Preparation - Wood

4240� Box Mfg - Rigid Paper Boxes

4243� Box Mfg - Folding Paper Boxes - N O C

4244� Corrugated or Fiber Board Container Mfg - Including Corrugating or Laminating of Paper

4250(1)� Paper Coating or Laminating

4250(2)� Computer Printing Ribbon Mfg. Or Refurbishing

4250(3)� Typewriter Ribbon Mfg. Or Refurbishing

4251� Envelope Mfg - N P D

4279(1)� Paper Goods Mfg. - NOC

4279(2)� Bag Mfg. - Paper

4283� Building or Roofing Paper or Felt Preparation

4286� Bag Mfg - Plastic

4295(1)� Printing - Screening Printing - All Other Employee

4295(2)� Screen Printed Merchandise Dealers - All Other Emp

4297� Photo Typesetting - All Operations - Including Clerical Office Employees N P D

4299(1)� Printing - All Other Employees

4299(2)� Bookbinding - All Other Employees

4304� Newspaper Publishing or Newspaper Printing - All Other Employees Including Miscellaneous Employees

4312� Newspaper Delivery

4351� Photo Engraving - N P D

4354� Printed Circuit Board Mfg N P D

4360� Motion Pictures: Development of Negatives, Printing & All Subsequent Operations Except The Marketing of The Product Through Film Exchanges - at Location Other Than The Studio

4361(1)� Photographers - All Employees

4361(2)� Photofinishing

4362� Motion Pictures: Film Exchanges - Not Located at Motion Picture Studio - Including Projection Rooms, Clerical Office Employees

4410� Rubber Goods Mfg - N O C

4414� Rubber Tire Mfg.

4420� Rubber Tire Recapping or Retreading

4432� Pen or Mechanical Pencil Mfg

4470� Wire Rope or Cable Mfg - No Wire Drawing

4478� Plastic Goods Mfg - N O C

4492� Sign Mfg - Metal, Plastic or Wood - N O C

4494� Plastics - Blow Molded Products Mfg - N O C

4495� Plastics - Extrusion Molded Products Mfg N O C

4496� Plastics - Fabricated Products Mfg - No Molding - N O C

4497� Plastics - Fiber Reinforced Plastic Products Mfg - N O C

4498� Plastics Injected Molded Products Mfg - N O C

4499� Plastics - Thermoformed Products Mfg - N O C

4511� Analytical or Testing Laboratories - Including Outside Operations - N O C, N P D

4512� Biomedical Research Laboratories

4557� Ink Mucilage or Polish Mfg

4558(1)� Paint, Varnish or Lacquer Mfg.

4558(2)� Resin Mfg. - synthetic

4567� Lead Mfg., Reclaiming or Alloying - red or white

4611� Drug, Medicine or Pharmaceutical Preparations Mfg.

4623� Cosmetic, Personal Care or Perfumery Products Mfg - Production or Packaging - Not Manufacturing Ingredients

4635� Oxygen or Hydrogen Mfg. - including tank charging

4665(1)� Rendering or Fertilizer Works

4665(2)� Glue Mfg. - from animal by products

4683(1)� Oil mfg. or refining - vegetable - NOC

4683(2)� Cottonseed Oil Mfg or Refining - inc. installation

4691� Orthotic or Prosthetic Device Mfg - Including Fitting and Adjusting

4692� Dental Laboratories - Including Foundry or Casting Operations

4717� Butter Substitute Mfg

4720� Soap or Synthetic Detergent Mfg

4740(1)� Oil Refining - petroleum

4740(2)� Asphalt or Tar Distilling

4740(3)� Gasoline Recovery - from casing head or natural ga

4771(1)� Explosive Mfg.

4771(2)� Rocket Propellant Mfg. - solid propellant

4828� Chemical Mixing, Blending & Repackaging Only

4829� Chemical Mfg. - including mixing, blending & packaging

4831� Vitamin or Food Supplement Mfg - Compounding, Blending or Packaging Only - Not Manufacturing Ingredients

4922� Magnetic Tape Mfg

4983� Gasket Mfg

5020� Ceiling Installation - Suspended - Acoustical Grid Type

5027� Masonry - Employees Whose Regular Hourly Wage Does Not Equal or Exceed $1900 Per Hour - N O C

5028� Masonry - Wage Equals or Exceeds $19.00./hr - N O C

5040(1)� Iron or Steel Erection - structural and exterior i

5040(2)� Bridge Building - Metal

5040(3)� Painting - steel structures or bridges

5057� Iron or Steel Erection - NOC

5059� Iron or Steel Erection - structural - less than 2

5102(1)� Iron, Steel, Brass, Bronze or Aluminum Erection -

5102(3)� Floor Installation - elevated

5107� Door, Door Frame or Pre - Glazed Window Installation - Not Overhead Doors - N P D Except With 5146, Cabinet or Fixtures

5108� Door Installation - overhead doors

5128� Instrument - professional or scientific - installation

5140� Electrical Wiring -Within Buildings- (wage =>$22) Including Installation or Repair of Fixtures or Appliances - Shop and Outside

5146(1)� Cabinet or Fixtures - Installation

5146(2)� Sign Installation or Repair - Interior or Affixed

5160� Elevator Erection or Repair

5183(1)� Plumbing (wage < $21.00/hr.)

5183(2)� Refrigeration Equipment (wage < $21.00/hr.)

5184� Steam Pipe or Boiler Insulation

5185� Automatic Sprinkler Installation (wage <$22/hr)- Within Buildings -- Including Storage and Yard Employees

5186� Automatic Sprinkler Installation (wage =>$22/hr)- Within Buildings -- Including Storage and Yard Employees

5187(1)� Plumbing (wage >/= $21.00/hr.)

5187(2)� Refrigeration Equipment (wage >/= $21.00/hr.)

5190� Electrical Wiring -Within Buildings- (wage <$22) Including Installation or Repair of Fixtures or Appliances - Shop and Outside

5191(1)� Office Machine Installation, Inspection, Adjustment or Repair - N O C - Shop & Outside

5191(2)� Computer or Computer System Installation Inspection, Adjustment or Repair - Shop & Outside

5191(3)� Telephone or Telephone System Installation or Repair

5192� Vending or Coin Operated Machines - Installation, Service or Repair - Including Storage, Shop, Outside Operation & Salespersons

5195� Communications Cabling - Within Buildings - Shop & Outside This Classification Is Applicable To Those Concerns Engaged In The Installation of Low-Voltage Cable For Voice or Data Transmission

5201(1)� Concrete or Cement Work - Sidewalks (wage < $19.00/hr.)

5201(2)� Concrete or Cement Work - Slabs (wage < $19.00/hr.)

5205(1)� Concrete or Cement Work - Sidewalks (wage >/= $19.00/hr.)

5205(2)� Concrete or Cement Work - Slabs (wage >/=$19.00/hr)

5207� Dam Construction - concrete - all operations

5212� Concrete Pumping - all operations

5213� Concrete Construction - NOC

5214� Concrete or Cement Work - Precast Products

5222(1)� Concrete Construction - in connection with bridges

5222(2)� Chimney Construction - Stone, Brick or Concrete

5225� Reinforcing Steel Installation

5348� Tile, Stone, Mosaic or Terrazzo Work - Interior Construction Only - Not Fireproof - Tile Construction

5403� Carpentry - Interior Trim, < $21.00 per Hour - NOC

5432� Carpentry - Interior Trim, >/= $21.00 per Hour - NOC

5436� Hardwood Floor Laying - including finishing

5443� Lathing

5446� Wallboard Application - Within Buildings-(wage <$21/hr) Installation or Application of Gypsum Wallboard Including Finishing and Preparation Prior To Painting - N O C

5447� Wallboard Application - Within Buildings (wage =>$21/hr) Installation or Application of Gypsum Wallboard Including Finishing and Preparation Prior To Painting - N O C

5467� Glaziers - Away From Shop - (wage <$21/hr)

5470� Glaziers - Away From Shop - (wage =>$21/hr)

5473� Asbestos Abatement

5474(1)� Painting, Decorating or Paper Hanging (wage <$19/hr) - including shop operations -N.O.C.

5474(2)� Waterproofing (wage < $19.00/hr.)

5474(3)� Painting - oil or gasoline storage tanks (wage <$19/hr) - including shop operations

5479� Insulation Work - Installation or Application of Acoustical or Thermal Insulating Materials In Buildings or Within Building Walls - NOC

5482(1)� Painting, Decorating or Paper Hanging (wage =>$19/hr) - including shop operations -N.O.C.

5482(2)� Waterproofing (wage >/= $19.00/hr.)

5482(3)� Painting - oil or gasoline storage tanks (wage=>$19/hr) - including shop operations

5484� Plastering or Stucco Work - (wage<$20/hr)

5485� Plastering or Stucco Work - (wage =>$20/hr)

5506� Street or Road Construction: Paving or Repaving, Surfacing or Resurfacing, or Scraping All Kinds Including Airport Runways, Warming Aprons, Incidental Field Plants, Fence or Guard Rail Construction

5507� Street or Road Construction: Grading - All Operations of Bringing Roadbed To Grade, Including Clearing, Grubbing, Right-Of-Way & Temporary Surfacing

5538� Sheet Metal Work (wage <$20/hr) Erection, Installation or Repair - Shop and Outside - Including Installation of Furnaces or Air - Conditioning System N O C

5542� Sheet Metal Work (wage =>$20/hr) Erection, Installation or Repair - Shop and Outside - Including Installation of Furnaces or Air - Conditioning System N O C

5552� Roofing - all kinds - including yard employees - <

5553� Roofing - all kinds - including yard employees - >

5606� Contractors: Construction or Erection - Executive Supervisors Exercising Supervision Through Superintendents & Foremen - No Direct Supervision

5630� Steel Framing - light gauge - residential - < $21.

5631� Steel Framing - light gauge - residential - > $21.

5632� Steel Framing - light gauge - commercial - < $21.0

5633� Steel Framing - light gauge - commercial - > $21.0

5645� Carpentry - Construction or Remodeling of The Construction of Private Garages and The Installation of Interior Trim, Builders Finish, Doors and Cabinet Work In Connection With Such Structures

5645(1)� Carpentry - 1 or 2 family homes - < $21.00/hr

5645(2)� Carpentry - dwellings not exceeding 3 sto. - < $21

5650� Termite Control Work - all operations - incl. yard

5697(1)� Carpentry (wage >/= $21.00/hr.)

5697(2)� Carpentry

5951� Serum, Anti-toxin or Virus Mfg.

6003(1)� Pile Driving

6003(2)� Wharf Building - timber - including pile driving

6003(3)� Bridge or Trestle Construction - Wood

6011� Dam Construction - NOC - all operations

6204� Drilling - NOC

6206(1)� Oil or Gas Wells - cementing

6206(2)� Oil or Gas Wells - acidizing - all operations

6206(3)� Oil or Gas Wells - vacuum truck service companies

6206(4)� Oil or Gas Wells - gravel packing

6213� Oil or Gas Wells - specialty tool companies - NOC

6216� Oil or Gas Lease Work - NOC - not lease operators

6218(1)� Excavation - NOC - < $23/hr.

6218(2)� Grading Land - NOC - < $23/hr.

6218(3)� Land Leveling - grading farm lands - < $23/hr.

6220(1)� Excavation - NOC - > $23/hr.

6220(2)� Grading Land - NOC - > $23/hr.

6220(3)� Land Leveling - grading farm lands - > $23/hr.

6233� Oil or Gas Pipeline Construction

6235(1)� Oil or Gas Wells - drilling or redrilling

6235(2)� Oil or Gas Wells - installation or recovery of cas

6235(3)� Drilling - geothermal wells

6237(1)� Oil or Gas Wells - wireline service companies - in

6237(2)� Oil or Gas Wells - perforating of casing - all ope

6251� Tunneling - all work to completion - including lin

6254� Subway Construction - all operations

6258� Foundation Preparation Work - including foundation

6307� Sewer Construction - All Operations - Including Construction of Laterals and Tunneling at Street Crossing - Employees Whose Regular Hourly Wage Does Not Equal or Exceed $2100 Per Hour

6308� Sewer Construction - All Operations - Including Construction of Laterals and Tunneling at Street Crossing - Employees Whose Regular Hourly Wage Equals or Exceeds $2100 Per Hour

6315(1)� Water Mains or Connections Construction - < $21.00

6315(2)� Gas Mains or Connections Construction - < $21.00/h

6316(1)� Water Mains or Connections Construction - > $21.00

6316(2)� Gas Mains or Connections Construction - > $21.00/h

6325� Conduit Construction - For Cable or Wires - Including Tunneling at Street Crossings

6361(1)� Canal Construction - all operations

6361(2)� Cross Country Water Pipeline Construction - all op

6361(3)� Jetty or Breakwater Construction - all operat. to

6364� Irrigation Pipe Installation - agricultural - all

6400� Fence Construction - Metal or Wood

6504� Confections & Food Sundries Mfg or Processing - N O C

6834� Boat Building or Repairing

7133� Railroads - NOC - operation and maintenance - all

7198� Parcel Delivery Companies: No Handling of Bulk Merchandise or Freight

7207(1)� Stables - all employees

7207(2)� Clubs - Riding - all employees

7207(3)� Horse Shows - stable employees

7207(4)� Pack Trains - all employees

7219(1)� Trucking Firms - NOC - including terminal employee

7219(2)� Trucking

7219(3)� Mobile Crane and Hoisting Service Contractors - NO

7232� Mail Delivery Service Companies - under contract w

7248� Marine Appraisers or Surveyors

7272� Water Truck Service Companies - all operations

7332� Ambulance Services

7360� Freight Handlers - packing or handling merchandise

7365� Taxicab Operations - all employees

7382� Bus or Limousine Operations

7392� Beer or Ale Dealers - Wholesale or Combined Wholesale and Retail - All Operations - N P D With 2121 - Breweries

7403� Aircraft Operation - Scheduled - not flying crew

7405� Aircraft Operation - Scheduled - flying crew

7409� Aircraft Operation - agricultural - flying crew

7410� Aircraft Operation - agricultural - not flying cre

7421� Aircraft Operation - Transport Personnel - flying

7424(1)� Aircraft Operation - NOC - flying crew

7424(2)� Aircraft Operation - patrol/photography - flying c

7424(3)� Aircraft Operation - Sales agencies - flying crew

7428(1)� Aircraft Operation - NOC - not flying crew

7428(2)� Aircraft Ground Schools - All employees

7428(3)� Aircraft Remanufacture/Conversion/Modification

7429� Airport Operators - all employees

7500� Gas Works - all operations - including constructio

7515� Oil or Gas Pipeline Operation

7520� Waterworks - operation - all employees - incl. Con

7538� Electric Light or Power Construction

7539� Electric Light or Power Companies - all operations

7580� Sanitary or Sanitation Districts Operation - all e

7600� Telecommunications Companies - all employees

7601� Telephone, Telegraph or Fire Alarm Line Constructi

7605(1)� Burglar Alarm and Security Systems Installation

7605(2)� Fire Alarm Systems Installation Service or Repair

7605(3)� Sound System Installation

7606� Cable Television Companies - All Employees Including Operation, Maintenance, Extension of Lines & Making Service Connections Including Shop

7607� Video Post Production - Computer or Electronic - All Employees - Including Clerical Office Employees and Salespersons - N P D

7610� Radio, Television or Commercial Broadcasting Stations - All Employees, Including Clerical Office Employees and Salespersons

7706� Firefighters - not volunteers

7707� Firefighters - volunteers

7720� Police, Sheriffs, Constables, Marshals, Animal Co

7721(1)� Detective Agencies

7721(2)� Patrol or Guard Services - in connection with indu

7721(3)� Watchpersons or Guards - block or special police

7722� Police, Sheriffs, Constables, Marshalls, Animal Co

7855� Railroad Construction - all operations

8001� Stores - Florists Including Service Away From Premises

8004� Stores - Garden Supplies - N O C This Classification Applies To Firms Which Maintain A Display Area For The Sale of Purchased Nursery Stock, Such As Bedding Plants, Sod, Ornamental Trees and Ground Cover

8006(1)� Stores - Groceries and Provisions - Retail

8006(2)� Stores - Fruit or Vegetables - Retail

8006(3)� Stores - Delicatessen - Retail

8008� Stores - Clothing, Wearing Apparel or Dry Goods - Retail Including Alteration Department

8013(1)� Stores Jewelry - Wholesale or Retail

8013(2)� Stores - Eyewear - Wholesale or Retail

8015� Stores - Furniture - Wholesale or Retail

8017(1)� Store Retail NOC

8017(7)� Store Hardware - Retail

8017(8)� Towel or Toilet Supply Companies

8018� Stores - Wholesale - N O C

8019� Printing - Quick Printing or Photocopying - All Employees - Including Clerical Office Employees and Salespersons

8021� Stores - Meat, Fish or Poultry Wholesale - N P D With 2081- Butchering

8028(1)� Equipment or Machinery Rental Yards - not dealers

8028(2)� Machinery or Equipment Rental Yards - not new or u

8031� Stores - Meat, Fish or Poultry - Retail

8032� Stores - Clothing, Wearing Apparel or Dry Goods - Wholesale

8039� Stores: Department Stores - Retail Including Clerical Office Employees & Salespersons

8041� Stores - Wine or Spirits - Wholesale Including Blending, Rectifying, Distilling or Bottling

8042� Stores - Floor Covering - Retail - Carpet, Rugs, Vinyl or Linoleum - Including Showroom Sales

8042� Stores - Floor Covering - Wholesale - Carpet, Rugs, Vinyl or Linoleum - Including Showroom Sales

8046� Stores - Automobile Accessories - Retail - Including Inside or Outside Salespersons - Npd With 3821

8046� Stores - Automobile Accessories - Wholesale - Including Inside or Outside Salespersons - Npd With 3821

8057� Boat Dealers - all operations

8059� Stores - Ceramic Tile - Retail

8059� Stores - Ceramic Tile - Wholesale

8060� Stores - wine, beer or spirits - retail

8061� Stores - Groceries & Provisions - Convenience - Retail

8062� Stores - Computer - Retail - Including Outside Salespersons

8062� Stores - Computer - Wholesale - Including Outside Salespersons

8063� Stores - Lighting Fixtures - Wholesale or Retail

8064� Stores - Office Supplies & Stationery Including Incidental Sale of Office Machines or Office Furniture - Retail

8064� Stores - Office Supplies & Stationery Including Incidental Sale of Office Machines or Office Furniture - Wholesale

8065� Stores - Paint or Paint Supplies - Retail

8065� Stores - Paint or Paint Supplies - Wholesale

8066� Stores: Bicycles & Bicycle Accessories - Retail Including Repairs or Rental Operations

8066� Stores: Bicycles & Bicycle Accessories - Wholesale Including Repairs or Rental Operations

8070� Stores - Videotapes - Rental or Sale - Rental or Sale - Retail

8071� Stores - Books - Retail

8078(1)� Sandwich Shops--Not Restaurants--N.O.C.

8078(2)� Beverage Preparation Shops--Not bars or taverns

8078(3)� Ice Cream or Frozen Yogurt Shops

8102� Seed Merchants

8103� Wiping Cloth or Rag Dealers - including all laundr

8106� Iron or Steel Merchants - not junk dealers or iron

8107� Machinery Dealers - NOC - including demonstration

8110� Stores - welding supplies - wholesale or retail

8111(1)� Plumbers Supplies Dealers - Wholesale

8111(2)� Oil or Gas Well Supplies or Equipment Dealers - st

8113� Oil or Gas Well Supplies or Equipment Dealers - se

8116� Farm Machinery Dealers - shop and outside

8117� Stores - feed, tack and farm supplies - retail

8204(1)� Building Material Dealers - 2nd hand materials

8209� Vegetables - fresh vegetable and tomato packing an

8215(1)� Hay, Grain or Feed Dealers

8215(2)� Warehouses - Grain or Bean

8227� Construction or Erection: Permanent Yards For Maintenance of Equipment or Storage of Material

8232(1)� Lumberyard - Commercial

8232(2)� Building Material Dealers - Commercial - no 2nd hand materials

8232(3)� Fuel and Material Dealers - NOC

8240(2)� Pipe Reclaiming

8264(1)� Paper Stock Dealers - secondhand

8264(2)� Bottle Dealers - secondhand

8264(3)� Rubber Stock Dealers - secondhand

8265(1)� Iron or Scrap Dealers

8265(2)� Junk Dealers - NOC

8267� Machinery and Equipment Dealers - secondhand

8278� Racing Stables - jockeys employed on a per race ba

8286(1)� Livestock Dealers or Commission Merchants - NOC

8286(2)� Livestock Auctioneers - including inside or outside

8290� Warehouses - Self Storage - All Other Employees - Including On - Site Managers, Resident Employees and Resident Clerical Office Employees

8291� Warehouses - Cold Storage

8292� Warehouses - general merchandise - NOC

8293(1)� Warehouses - furniture - including packing and handling

8293(2)� Furniture Moving - including packing or handling o

8304� Grain Elevators or Grain Storage Warehouses

8324� Automobile Gasoline Stations - Retail - All Employees Including Cashiers - N P D

8350� Gasoline or Oil Dealers - wholesale

8387� Automobile or Automobile Truck Service Stations Including Accessories & Spare Parts Departments & Cashiers - N O C, N P D With 8392, Automobile or Automobile Truck Storage Garages or Parking Stations or Lots & 8388, Rubber Tire Dealers

8388� Rubber Tire Dealers - Wholesale or Retail, or Combined Wholesale or Retail Including Inside Salespersons & Cashiers; Repairing & Adjusting Tires Away From Premises; & Accessories & Spare Parts Department

8389� Automobile or Automobile Truck Repair Shops - No Retail Gasoline Sales - N O C - N P D With Code 8388, Rubber Tire Dealers

8390� Automobile Van Conversion or Customizing

8391� Auto or Truck Dealers - other than salespersons

8392� Auto or Truck Storage Garages

8393� Automobile or Automobile Truck Body, Repair, Paint

8397� Automobile or Automobile Truck Transmission Repairing & Rebuilding Including Removal & Installation Operations - N P D With 8389 - Automobile or Automobile Truck Repair Shops or Garages; 8387 - Automobile or Automobile Truck Service Stations

8400� Motorcycle Dealers - all operations

8500� Metal Scrap Dealers - collection, sorting and redu

8601(1)� Engineers - Consulting

8601(2)� Oil or Gas Geologists or Scouts

8601(3)� Geophysical Exploration - including mapping of sub

8631� Racing Stables - operation

8720(1)� Inspection for Insurance or Valuation

8720(2)� Elevator Inspecting - no service inspections

8720(3)� Weighers, Samplers or Inspectors of Merchandise on

8729� Elevator Service Inspections, Oiling and Adjusting

8740(1)� Apartment or Condo Complex Operation - Supervisors

8740(2)� Building Operation - Commercial Properties - Supervisors

8740(3)� Building Operation - NOC - Property Mgmt. Supervisors

8740(4)� Mobilehome Park Operation - property mgmt supervisors

8740(5)� Warehouses - self storage - property mgmt supervisors

8740(6)� Apartment or Condo Complex - seniors - prop mgmt supervisors

8741� Real Estate Agencies - All Employees - Including Clerical Office Employees and Salespersons

8742(1)� Salespersons - Outside

8742(2)� Book Binding Operation - Salesperson

8742(3)� Boy and Girl Scout Councils - Executive secretaries

8742(4)� Newspaper Publishing or Newspaper Printing - reporters

8742(5)� Printing Operation - Salesperson

8743� Mortgage Brokers - All Employees Including Clerical Office Employees and Salespersons

8745� News Agents or Distributors of Magazines or Other Periodicals - Not Retail Including Salespersons

8748� Auto or Truck Salespersons

8755� Labor Unions - employees engaged outside of office

8800� Mailing or Addressing Companies Including Clerical Office Employees - N P D

8801� Credit Unions - all employees

8803� Auditors, Accountants, Factory Cost or Office Systematizers - All Employees Including Clerical Office Employees - N P D

8804(1)� Alcoholic and Drug Recovery Homes

8804(2)� Social Rehabilitation Facilities for Adults - all

8806� Sheltered Workshops or Work Activity Centers - all

8807� Newspaper, Magazine or Book Publishing - no printi

8808� Banks - All Employees Including Appraisers, Bank guards & Attendants, Field Auditors, Office Machine Repair, Clerical Office Employees & Salespersons

8810(1)� Clerical Office Employees - N O C

8810(2)� Draftsmen

8810(3)� Libraries - Librarians or Professional Assistants

8810(4)� Libraries - Public

8813(1)� Printing Operation - Editing

8813(2)� Bookbinding Operation - Editing

8818� Newspaper Publishing or Newspaper Printing - editing

8820� Attorneys: All Employees Including Salespersons & Clerical Office Employees - N P D

8822� Insurance Companies

8823� Residential Care Facilities for Children - NOC -

8827(1)� Homemaker Services - all employees

8827(2)� Public Health Nursing Associations - all employees

8829(1)� Nursing Homes - all employees

8829(2)� Convalescent Homes or Hospitals - all employees

8829(4)� Rest Homes - all employees

8829(5)� Sanitariums - all employees

8830� Institutional Employees - hospitals, sanitariums,

8831(1)� Hospitals - Veterinary

8831(3)� Kennels - all employees - including receptionists

8834� Physicians - All Employees Including Clerical Office Employees - N P D

8838� Municipal Township or County Employees - Curators or Professional Assistants Including Clerical Office Employees

8839� Dentists & Dental Surgeons - All Employees Including Clerical Office Employees - N P D

8840� Churches-Clergy, organist and clerical office employees

8846(1)� Printing - Screen Printing - Editing

8846(2)� Screen Printed Merchandise Dealers - Editing

8847� Salvage Material Dealers: Beverage Container Collection or Redemption - N P D at Processing Facilities

8850� Check Cashers - all employees

8851� Congregate Living facilities for the Elderly - no

8852� Home Infusion Therapists - all employees

8859� Computer Programming or Software Development: All Employees Including Clerical Office Employees & Salespersons N P D

8868� College or Schools - Private - not auto - Professional

8875(1)� Public Colleges or Schools - all employees

8875(2)� Superintendent of Public Schools Office - all employees

9007� Apartment or Condominium Complex Operation For Seniors

9008� Janitorial Services

9009� Buildings Operation - Commercial Properties - All Other Employees

9010� Mobilehome Park Operation - all other employees

9011� Apartment or Condominium Complex Operation - Not Homeowners Associations - All Other Employees - Including On - Site Managers, Resident Employees, and Resident Clerical Office Employees

9015(1)� Building Operation NOC

9015(4)� Churches

9015(5)� Libraries - all employees other than librarians

9016(1)� Amusement Parks or Exhibitions - Maintenance

9016(2)� Dog Shows - operation, care, custody and maintenance

9016(3)� Horse Shows - operation, care of premises

9031� Pest Control - all operations - including yard employees

9033� Housing Authorities - all employees

9043� Hospitals - all employees

9048(1)� Camps - recreational and educational - all operations

9048(2)� Boy and Girl Scout Councils - all camp operations

9050(1)� Hotels

9050(2)� Motels

9053(1)� Baths - NOC

9053(2)� Exercise or Health Institutes - all employees

9053(3)� Swimming Pools - commercial - all employees

9053(4)� Clubs - Swimming - all employees

9053(5)� Clubs - Tennis or Racquetball - all employees

9059� Day Care Centers - child - not residential care facility

9060� Clubs - Country or Golf - All Employees Including Restaurant or Tavern Employees

9061� Clubs - NOC - All employees

9066� Homeowners Association - Not Building Operations

9067(1)� YMCA or YWCA institutions - all employees

9067(2)� Clubs - Boys and Girls - all employees

9069� Clubs - Gaming - all employees

9070(1)� Residential Care Facilities for the Elderly - NOC

9070(3)� Residential Care Facilities for Adults - NOC - all

9079(1)� Restaurant or Taverns

9079(2)� Vending Concessionaires - dispensing food, drinks,

9085� Residential Care Facilities for the Developmental

9092� Skating Centers Ice or Roller All Employees Including Restaurant or Tavern Employees

9092(1)� Bowling Centers

9092(2)� Billiard Halls - all employees

9092(3)� Skating Centers - ice or roller - all employees

9096� Residential Cleaning Services by Contractors

9097� Swimming Pool Cleaning & Servicing by Specialty Contractors

9101� College or Schools - Private - not auto - Non-professional

9151� Theaters - music ensembles - all performers and di

9154� Theaters - not motion picture - all employees other than performers and directors

9155� Theaters - motion picture - all employees

9156� Theaters - dance, opera and theater companies - al

9180(1)� Amusement Parks or Exhibitions operations

9180(2)� Clubs - Shooting

9180(3)� Shooting Galleries

9181� Athletic Team - all players

9182� Athletic Team - all other

9184� Ski Resorts - Alpine - all operations

9185� Carnival or Circuses - all employees

9220(1)� Cemetery Operation - all employees

9220(2)� Crematory Operations - all employees

9402� Sewer or Tank Cleaning - NOC

9403(1)� Garbage, Ashes or Refuse Collecting

9403(2)� Street Sweeping Service Companies

9410� Municipal, State or Public Agency Employees - no m

9420� All other Municipal, State or Public Agency Employees

9422� Road Districts or Departments - all operations

9424� Garbage, Ashes or Refuse Dump Operations - all emp

9426� Sanitary Companies - Firms Engaged In The Cleaning of Septic Tanks, Cesspools & Chemical Portable Toilets - All Employees

9501(1) � Painting - Shop Only

9501(3)� Painting - automobile or truck bodies - no body or

9507(1)� Sign Painting or Lettering

9507(2)� Sign Mfg. - Quick Sign Shops

9516(1)� Television, Video, Audio & Radio Equip. Installation

9516(2)� Automobile Radio and Telephone Installation or Ser

9519(1)� Household Appliances - Installation

9519(4)� Water Softening or Conditioning System - Installation

9521(1)� House Furnishings

9521(2)� Floor Covering Installation

9521(3)� Window Covering - Installation

9522(1)� Upholstering - N P D Except In Connection With Code 2812 - Cabinet Mfg - Wood

9522(2)� Furniture - Upholstering

9522(3)� Automobile Body Upholstering

9522(4)� Coffin or Casket Upholstery Work

9522(5)� Wheelchair Upholstering

9529(1)� Scaffold, Shoring, Concrete or Cement Distributing

9529(2)� Decorating - Interior or Exterior

9529(3)� Tent - erection, removal or repair - away from shop

9549� Advertising Companies

9552� Sign Erection or Repair - NOC

9586� Barber Shops or Beauty Parlors - All Employees Including Receptionists

9610� Motion Pictures - Productions - In Studios and Outside - All Operations Up To The Development of Negatives

9620� Funeral Directors - All Employees

* First name:	(
Last name:	(
Your phone:	() - ext.
* Your e-mail:	(
Your ZIP Code:	(
* Insurance Type:	(
How to Contact You: by phone by email

Table of Contents