NY Workers Comp Rates for Class Code 4420 Rubber Tire Mfg.

“NY Workers Comp Rate for Code 4420 Rubber Tire Mfg is up 19.6%” in 2011 was originally posted on October 1, 2001 and updated on September

NY Workers Comp Rates for Code 4420 Rubber Tire Mfg

Description: Code 4420 covers employees engaged in the manufacture of new rubber tires. This Code does not apply to rubber tire recapping (refer to code 8380).

The material for the operations such as natural and synthetic rubber, carbon black, naphtha, fiberglass, cotton, rayon, nylon, latex, rubber cement and wire is provided by other manufactures which use other codes. The workers covered by Code 4420 assemble the “green” tire; cure it, and inspect the final product.

Materials Used: natural and synthetic rubber, carbon black, naphtha, fiberglass, cotton, rayon, nylon, latex, rubber cement and wire

Pricing: Solid companies with a good loss history can obtain better than average pricing on NYS Workers compensation rates.

RUBBER AND RUBBER GOODS MANUFACTURING — NOC
SIC CODE: 3052 Rubber and Plastics Hose and Belting
3053 Gaskets, Packing, and Sealing Devices
3061 Molded, Extruded, and Lathe-Cut Mechanical Rubber Goods
3069 Fabricated Rubber Products, NEC
NAICS CODE: 32622 Rubber and Plastic Hoses and Belting Manufacturing
326291 Rubber Product Manufacturing for Mechanical Use
326299 All Other Rubber Product Manufacturing
339991 Gaskets, Packing and Sealing Device Manufacturing
Suggested ISO General Liability Code: 58756, 58759
Suggested Workers Compensation Code: 4410, 4299

NY Workers Comp Rates for Class Code 4420

Description of operations for Class Code 4420: Rubber and rubber goods manufacturing – not otherwise classified involves a variety of operations and processes. Each has its own set of exposures. Raw rubber may be in powder, liquid, flakes, or pellets. It is blended or mixed with a wide range of additives, resins, colorants (or tints) and catalysts. It is heated and then molded, formed, or extruded into an end product. The end use of the product determines the mixtures and composition of the blends Careful evaluation is needed of the products manufactured and the chemicals and additives used.

Property exposure depends on the processes and chemicals and raw materials. Fire suppression systems are important. Raw materials and chemicals must be separated and properly stored and labeled. Each type may possess its own unique characteristics and must be handled appropriately. Machinery requires proper maintenance to prevent overheat and wear. Flammables and solvents also must be properly stored and segregated. Fuel sources to run machinery and the heat plant must be adequately controlled. Dust is a potentially high fire hazard and must be controlled with proper equipment and procedures. Sparks and static buildup can trigger fire and must be controlled. Foam rubber can be a particular problem.

Premises liability due to potential fire or explosion is significant. Evacuation plans should be on file with the fire department.
Products liability is dependent on the end usage of the product.

Environment impairment is significant due to potential spillage in waste water from processing, and the fumes and vapors that are emitted.
Automobile exposure is significant if there is transportation of raw materials and chemicals. Drivers should have Haz Mat licenses. MVRs must be checked on a regular basis, and training must be updated and monitored.

Workers compensation exposures are from burns received during contact with machinery or chemicals. Eye, skin, and lung irritants can cause injury, and cuts and amputations can occur during trimming or cutting operations or maintenance of machinery.

To find the best NY Workers Comp Rates for Class Code 4420 Rubber Tire Mfg., call the experts at Enforce Coverage Group. We offer free policy evaluations to ensure your business is using the correct class codes and have the most competitive cost available.

New York Workers Comp for Class Code 4420

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NY Workers Comp Rate for Code 6824 Boat Building

NY Workers Comp Rate for Code 6824 Boat Building

Description: Code 6824 applies to workers building wood, metal, fiberglass or plastic boats not exceeding 150 feet in length. This can include commercial craft as long as they meet the length limitation. This Code applies to personal watercraft. Personal watercraft are small motorized boats usually designed for occupancy by one or two passengers. The type of work includes shop and yard work and driving.

Materials Used: Wood, metal, plastic or fiberglass fabrication tools; any equipment to move parts or finished product.

Pricing: Solid companies with a good loss history can obtain better than average pricing on NYS Workers compensation rates.

BOAT REPAIR AND DRY DOCKS

Category: Boats & Yachts
SIC CODE: 3731 Ship Building and Repairing
3732 Boat Building and Repairing
NAICS CODE: 336611 Ship Building and Repairing
48839 Other Support Activities for Water Transportation
81149 Other Personal and Household Goods Repair and Maintenance
Suggested ISO General Liability Code: 91235, 98949, 10105, 10107
Suggested Workers Compensation Code: 6872F, 6874F, 6882, 6824F, 6834

Description of operations for NY Workers Comp Rate for Code 6824

Boat repair and dry dock operators provide service to both private and commercial boat or yacht owners. Some offer storage facilities, either wet (in the water) or dry (out of the water). Vessels stored in dry dock may be kept indoors or outdoors in a yard. Other services may include a marina, retail sales of accessories or supplies, painting, cleaning, refitting, or winterizing. There may be a launching slip for customers’ use. The operator may travel off-premises to pick up or return larger vessels for storage or repair. Seasonal fluctuation of jobs and labor is common, and some work may be subcontracted.

Property exposure comes from the flammable paints, lubricants, oils, degreasers, and solvents used in service and repair operations and the combustibility of watercraft. Flammables must be properly labeled, stored and separated. Spray painting should be conducted in spray booths with good ventilation, UL-approved wiring and fixtures and adequate controls. Welding is often a part of the repair and body work operation that needs to be evaluated for proper handling of the tanks and gases and adequate separation from other operations with either a separate room or flash/welding curtains. Good housekeeping is critical. Oily rags must be kept in covered metal containers. Work areas must be cleaned regularly and trash removed from the building. Lubricants and fuels should be drained from any watercraft stored during the off-season to reduce the potential for a fire. Boat repair facilities are often at a distance from fire stations, and access may be difficult due to natural obstructions or poor road quality. Although located near water, lack of equipment, procedures or training may result in a severe fire loss. Wind, wind-driven water and hurricane damage pose catastrophe potential, especially if the operation is close to the water. Theft is a concern as watercraft can be target items. Appropriate security controls must be taken including physical barriers such as chains, fences, or gates, lighting to deter access to the premises after hours, and an alarm system that reports directly to a central station or the police department.

Crime exposures come from employee dishonesty, theft of money and securities, burglary and robbery. Employee dishonesty is controlled through background checks, inventory monitoring, control of the cash register, and division of duties. Physical audits should be conducted at least annually. Storage and handling of keys presents an often overlooked exposure to theft.

Inland marine exposures come from accounts receivable if the operation offers credit; bailees customers for watercraft in for service, repair or storage; computers used to monitor inventory; goods in transit if the operation delivers watercraft to customers; and valuable papers and records for manufacturers’ and customers’ records. Contractors’ equipment may include marine railways, hoists and other marine equipment used to move boats in and out of the water, equipment used for lifting and transporting vessels and to maintain the premises. Particular concern should be shown for any item that is used near or in the water. Watercraft stored in the open are particularly susceptible to damage by vandalism and theft. Lots should be well lighted with chains, fences or gates to prevent access and transport. An alarm system that reports directly to a central station or the police department should be used. Security guards may be appropriate in some areas. The operator may own one or more boats. There may also be a rental boat exposure.

Ocean marine exposure includes the dock and any owned vessels. Piers and docks may be susceptible to weather perils as well as damage from vessels. Hoisting exposures seaside may be similar to those under inland marine, but the loss potential is often significantly increased due to the higher value of ocean-going watercraft and the unpredictability of the ocean. The insured may own one or more boats or other watercraft that are for personal use and/or rental. Ocean marine includes the liability exposures (as protection and indemnity coverage) so any rental operation can add a significant exposure.

Premises liability exposure is high due to waterfront facilities and the public access to the premises. Tripping and slip and fall hazards are common. Waiting areas should be provided for customers whose vessels are being repaired. Customers should not be permitted access to the service area. The moving, rearranging and hooking up of owned and non-owned watercraft pose a collision hazard to persons or to property of others. Parking lots and sidewalks need to be in good repair with snow and ice removed, and generally level and free of exposure to slips and falls. If the premises are open after dark, adequate lighting and appropriate security for the area must be present. Watercraft stored outside may pose an attractive nuisance to children and teens, especially during the off season. Chains and fences should be in place to prevent entrance to the premises after hours. Repair operations are the major products/completed operations exposures. There should be a check-off procedure in place prior to release of the watercraft to the customer to prevent its return with any vital functions not working properly.
General liability policies exclude most watercraft exposures. If boats can be taken onto the water for test drives by employees or customers following repairs, a watercraft or ocean marine protection and indemnity coverage will be needed.

Environmental impairment exposure can be significant due to the storage of gasoline and other flammable liquids in tanks and the disposal of used oils, solvents and other hazardous wastes from repair operations. All above-ground and underground tanks are subject to state or federal regulations and should be routinely tested for leakage. Adequate procedures should be in place and must be followed to prevent any leakage or contamination. Fuel pumps that are available to the public pose an exposure due to the possibility of spillage into waterways. Contracts should be in place to dispose of all environmentally dangerous chemicals.

Automobile exposure may be limited to hired and non owned for employees running errands to pick up parts for repair operations. All employee drivers should have appropriate licenses with their MVRs regularly checked. All vehicles must be regularly maintained with records retained. There should be written procedures for personal and permissive use of vehicles furnished to employees. If the dealership offers pickup and delivery of watercraft to its customers, the exposure increases. Transportation hazards include failure to secure the load properly, and equipment failure, especially tie-downs and hitches. Drivers must be trained to transport over-sized loads that can shift on the road. Random drug and alcohol testing should be conducted.

Workers compensation exposures are most significant in the repair operation and any transport. Back injuries, hernias, strains and sprains can result from lifting. Repair may involve painting, welding, or work with fiberglass hulls. Safety equipment should be provided. Casual and seasonal labor can impact the ability to control hazards. Turnover may be high. If large boats are repaired there may be work at heights. Refueling should be done only in well-ventilated areas to minimize inhaling of fumes. Information regarding chemicals should be available to employees along with early warning signs of problems. The transporting of boats from storage to the water may involve cranes, lifts, winches or other heavy equipment, including rails. There may be Long shore & Harbor workers Compensation Act exposure if work is done on or near the water.

Enforce is offering free quotes and policy reviews for businesses who utilize NY Workers Comp Rate for Code 6824. Call us today to learn more!

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Workers Comp Class Code 2003: Bakery, Salespersons & Drivers

Worker’s Comp class code 2003: Bakery, Salespersons & Drivers applies to insureds engaged in the manufacturing of baked goods, cookies and crackers, and cooked or uncooked frozen items. This includes the baking or frying of baked goods, cookies and crackers, and cooked or uncooked frozen items. All sizes of bakeries apply to class code 2003.

What Employees Fall Under Workers Compensation Classification Code 2003?

Workers’ Comp class code 2003 does not apply to retail bakeries and doughnut stores in which no baking is done on premises. Instead, these businesses are classed under class code 8017. Potato chip, popcorn, and snack chip manufacturing businesses are included under class code 6503. The manufacturing of macaroni, spaghetti, and noodles is assigned to class code 2002. Only businesses that take part in the baking or frying of baked goods, cookies and crackers, and cooked or uncooked frozen items are included under class code 2003.

NY Workers’ Comp Insurance Classification Code 2003 Rate History:

In 2011, the rate for NY workers comp class code 2003 had an increase of 2.4%. Due to a recent decision by the New York Compensation Insurance Rating Board, the 2012-2013 rate for class code 2003 will remain the same.

Enforce Coverage can help find the right carrier for your Workers’ Comp needs. Contact us to obtain a price quote and ask about our Pay As You Go Program.

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NY Workers Comp Rates for Class Code 7601 Telephone, Telegraph or Fire Alarm Line Construction and Drivers

NY Workers Comp Rates for Class Code 7601 Telephone, Telegraph, Fire Alarm Construction

Description: Code 7601 covers contractors engaged in telephone, telegraph or fire alarm line construction and drivers.  Type of work covered are clearing of right-of-ways; driving; erecting poles; cross-arms and insulators; stringing overhead lines or lead sheath cables used for multiple circuits; and laying underground cables.  The Code applies to all work normal and incidental to the construction of such lines when undertaken by an individual employer whether performed by dedicated crew of employees or employees who interchange between operations.

Materials Used: all types of wire, brush and tree clearing equipment, and digging or trenching equipment.

Pricing: Solid companies with a good loss history can obtain better than average pricing on NY Workers Comp Rates for Class Code 7601 for telephone & fire alarm line construction

TELEPHONE COMPANIES
Category: Service Businesses

SIC CODE: 4813 Telephone Communications, Except Radiotelephone
4812 Radiotelephone Communications
4822 Telegraph and Other Message Communications
4899 Communications Services, Not Elsewhere Classified

NAICS CODE: 517210 Wireless Telecommunications Carriers (Except Satellites)
517410 Satellite Telecommunications
517110 Wired Telecommunications Carriers

Suggested ISO General Liability Code: 99600, 99614

Suggested Workers Compensation Code: 7600, 8901

Description of operations: Telecommunication companies provide the wiring, cabling, equipment, and ongoing maintenance for services to residences and commercial enterprises. These companies may offer automated answering systems, cable access, internet access, and local, long-distance, and international telephone service, special communications devices for customers with physical disabilities, telegraphs, and wireless communications. Service may be provided using overhead lines, underground utility cables, fiber-optic, microwave, or satellite systems.

Property exposures are high due to the high concentration of electronic equipment on premises. Ignition sources include electrical wiring, heating and air conditioning systems, and overheating of equipment. All of these require ongoing maintenance. Adequate fire detection and suppression equipment is recommended. Power surge equipment is needed to prevent lightning and other power losses. Smoke and water damage, even from a small fire, can result in a major loss without extensive contingency planning. Switching stations should be protected and security provided. If maintenance and fueling of service vehicles is done on premises, all flammables must be stored away from heated areas in a fireproof cabinet. Welding and soldering should be done in a well-ventilated area that is free of combustible materials. Communications equipment may be targets for theft. Appropriate security controls should be taken including physical barriers to prevent entrance to the premises after hours and an alarm system that reports directly to a central station or the police department. Telecommunication companies have very high exposure to business income loss as any power outage affects service to residential and business customers. Extra expenses may be high, as repairs must be made quickly to reduce downtime to dependent customers.

Equipment breakdown exposure includes breakdown losses to telecommunication devices, electrical control panels and other apparatus. All equipment must be inspected and maintained on a regular basis. Back-up generators should be available.
Crime exposure is from computer fraud and employee dishonesty. The exposure increases without thorough background checks of employees. Billing, ordering, and disbursement should be under separate supervisors. Reconciliation and audits should be routine. Computer fraud potential can be high as many customers pay by Electronic Fund Transfer (EFT). Adequate security is required to prevent unauthorized access to customer information.

Inland marine exposure is from accounts receivable as the company regularly bills customers for service, computers, radio and television floater (including towers), tools and equipment, and valuable papers and records for customers’ and suppliers’ information. The company is likely to have extensive communications systems, including computers, which are very expensive and must be backed up regularly. Computer systems must have adequate security features to prevent unauthorized access due to industrial espionage or by hackers. Communications towers are often in remote areas, and should be fenced to prevent access by unauthorized persons. Towers are susceptible to loss by high winds, lightning, icing, and airplanes. Protective features such as guy wires, lighting and de-icing equipment, are needed. Service technicians carry tools and equipment to customers’ premises for installation and repair. Vehicles should be kept locked at all times. Duplicates of records must be made often and stored off site. Storage on premises should consist of fireproof cabinets. There may be a contractors’ equipment exposure if the company installs its own underground cables.

Premises liability exposure at the main office location is usually light as communication with customers is done by mail or electronically. Off-site premises exposures are heavy due to the running of lines or cables, both above ground and below ground. Company vehicles may disrupt normal traffic flow, requiring adequate notice to motorists to prevent accidents. Technicians may damage customers’ premises when installing lines and cables within buildings. Excavation and maintenance of underground lines could cause damage to the property of others. Towers pose an attractive nuisance to children and teenagers and should be fenced to prevent unauthorized access. Terrorism is a potential threat to public services. There must be adequate security to deter unauthorized access to any part of the company’s premises. Despite the lack of scientific evidence, some cellular service providers have been sued on the allegation that repeated exposure to electromagnetic radiation causes injuries to people or animals. Personal injury exposures may result from failing to adequately secure customer information. Complaints by customers to the FCC regarding “slamming” or “cramming” offenses may result in high defense costs.

Completed operations exposures can be high if equipment is not properly installed. Loss of communications service could result in loss of earnings to businesses, particularly those who derive the bulk of their income from online sales.
Automobile exposure may be high. If the company does its own repairs, vehicles are on the road on both routine and emergency basis. The vehicles must be out 24 hours per day, sometimes on rough terrain in inclement weather. Cable and the equipment used to install it are awkward to transport. Secure tying down is vital to prevent heavy damage to other vehicles. Vehicles may be parked along roads, disrupting regular traffic. Proper signage is required to warn drivers. All drivers must be licensed with acceptable MVRs. Regular training should be provided in driving under difficult situations. All vehicles must be well maintained with documentation kept in a central location. If vehicles are provided to employees, there should be written procedures in place regarding personal use by employees and their family members.

Workers compensation exposures are very high. Working with power lines can result in electrical shocks. There should be adequate shutoff and lockout procedures to make sure the wiring is not live.

Falls can occur from ladders, scaffolds or cherry pickers, utility poles or towers. Adequate personal protective equipment is required. Failure to adequately warn motorists of road hazards can result in a worker being hit by a motor vehicle. Laying of underground cable can result in back sprains and strains from dragging heavy cables, or exposure to collapse hazards. Prolonged exposure to electromagnetic microwave or cellular transmissions has been linked to occupational disease. Workers who visit customers’ premises may be attacked by dogs or other animals. In the office where most work is done on computers, potential injuries include eyestrain, neck strain, carpal tunnel syndrome, and similar cumulative trauma injuries that can be addressed through ergonomically designed workstations.

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NY Workers Comp Rate for Code 6233: Oil or Gas Pipeline Construction and Drivers

NY Workers Comp Rate for Code 6233 Oil or Gas Pipeline Construction and Drivers

Description: Code 6233 applies to contractors engaged in cross-country construction of oil or gas pipelines and contractors engaged exclusively in the clearing of new right-of-ways for such construction. This code also applies to maintenance, testing, repair, trench pipe wrapping, pipe manufacturing at the construction site and the taking up and removal of oil or gas pipeline.

Pricing: Solid companies with a good loss history can obtain better than average pricing on NY Workers Comp Rate for Code 6233.

According to the Bureau of Labor Statistics nearly 500,000 workers are currently employed in the oil and gas extraction industry in the United States, and that number is on the rise as the world’s demand for energy continues to grow. This increase means more risks for well operators as they struggle to keep up with demand. Fortunately, there are many types of coverages available to those in the oil and gas industry to help mitigate these risks.

Risks in the oil and gas industry can be split into three categories:

1. Environmental
2. Equipment and property
3. Worker health and safety

Environmental risks are the most far-reaching risks faced by the oil and gas industry. Major oil spills, gas emissions and other contaminations are well-documented and are considered to be part of doing business.

Equipment risks include malfunctions and downtime, which lower the profitability of the operation. Preventive and predictive maintenance are key for combating these risks.

Property risks include lost or damaged drills or wells and damage to equipment during transportation. Additionally, fleet risks, such as fuel costs, rollovers and spills, need to be addressed by employers.

Finally, worker health and safety is a big concern because of the dangerous nature of the industry; the fatality rate for oil and gas workers is seven times the national average for all workers. Providing the proper training and safety measures for workers as the industry continues to expand will be important for employers to remain profitable.

What are Your NY Class Code 6233 Coverage Options?

There are a host of coverage options available to those in the oil and gas industry. Typical commercial general liability (CGL), protection and indemnity (P&I), marine employer’s liability (MEL) and hull insurance policies are likely not sufficient to cover many of the risks the industry faces:

Risks in the oil and gas industry can be split into three categories:
1. Environmental
2. Equipment and property
3. Worker health and safety

1. Environmental Coverage Options

Pollution insurance is a necessary coverage because CGL policies typically exclude pollution events. Under the terms of pollution coverage, the incident that leads to an environmental loss must be “sudden and accidental” and must be detected within a certain timeframe. This coverage generally does not pay for cleanup costs. Specific pollution insurance coverages often cover operators from gradual environmental incidents; coverages include:

• Pollution legal liability (PLL) or environmental impairment liability (EIL), which are site-specific coverages written on a claims-made basis. Incidents that are gradual in nature and take a long time to discover, such as a small pipeline leak, may trigger a claim. If an operator knows the exact point at which the incident occurred, it is usually not covered under a PLL/EIL policy.

• Contractors pollution liability (CPL) insurance, which covers oil and gas contractors against claims from third-party bodily injury, property damage, cleanup costs and/or environmental damage due to their work on a worksite.

• Storage tank liability (STL), which covers damage from leaking storage tanks, whether they are above- or below-ground.

2. Equipment and Property Coverage Options

• Control of well insurance (also may be known as operators extra expense (OEE)), which covers expenses incurred in regaining control of a well after cratering or blowout. Additionally, endorsements may be added to this policy to cover pollution, equipment malfunction (such as casing damage), evacuation costs and damage to the property as a result of the cratering or blowout.

• Oil lease property (OLP) coverage, which covers a loss or damage to petroleum storage tanks at scheduled locations.

• Riggers legal liability coverage, which insures oil contractors when handling a worksite’s equipment. For example, this coverage would cover damage to a wellhead during installation by a contractor. A standard CGL policy would not cover such an event.

3. Worker Health and Safety Coverage Options

• Workers in the oil and gas extraction industry face many more health hazards than the average worker, so it’s important that employers have robust workers’ compensation and return to work programs to keep workers safe and healthy. In addition to these programs, providing worker training and implementing various safety measures will minimize the number of days your employees are away from work.

o Training should focus on the following oil and gas safety hazards:

 Struck-by/caught-in incidents
 Falls
 Explosions and fires
 Confined spaces
 Ergonomic issues
 Machine hazards
 Hot work

o Training should also focus on the following health hazards:

 Hydrogen sulfide
 Silica
 Noise
 Diesel particulate matter
 Hazardous materials
 Fatigue
 Extreme temperatures

 

To obtain a quote for NY Workers Comp Rate for Code 6233 – Oil and Gas Pipeline construction insurance, give Enforce a call 212-947-4298.

NY Workers Comp Rate for Code 6233

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NY Workers Comp Code 4829 Chemical Manufacturing Rates

NY Workers Comp Code 4829 Chemical Manufacturing Rates – NYC, New Jersey, Pennsylvania and Connecticut

Description: Code 4829 is applied to the manufacture of products requiring a chemical conversion which means any process in which the substances used in the manufacturing process undergoes a molecular change in composition. Some but not all the processes are: alcoholysis; alkylation; amination; calcination; carboxylation; compression of gases; distillation; esterification; halogenation; nitration; oxidation; reduction; sulphonation. The difference between Code 4828 which is the chemical blending or mixing  for employers engaged in compounding, blending, mixing, bottling, and packaging chemicals which are not otherwise classified. Code 4829 is distinguished from that code by the fact that employers that qualify for code 4828 do not manufacture any of the ingredients they compound, blend, mix, bottle or package.

Materials Used: Chemicals, chemical mixing equipment, all manor of chemical manufacturing equipment.

NY Workers Comp Code 4829 Chemical Manufacturing Rates Pricing: Solid companies with a good loss history can obtain better than average pricing on NY Workers compensation rates.

Potential Environmental and Regulatory Liabilities at Chemical Manufacturing Facilities

The most common environmental and regulatory exposures at chemical manufacturing plants include:

• Uncontained floor drains around the plant site, both inside and outside buildings, which make spill control difficult.
• Information unavailable on where ALL floor drains discharge.
• Extensive liquid chemical inventories without secondary containment.
• Storing and staging 55-gallon drums of chemicals at multiple locations around the site in uncontained areas.
• Complicated piping networks without color coding or containment.
• Storm water contaminated by chemical drip, leaks and spills.
• Inadequate controls and containment for fire fighting water.
• Failure of high pressure and high temperature processes resulting in chemical releases to the environment.
• Inadequate containment of the chemical loading and unloading areas.
• Poor underground tank management programs.
• Improperly maintained PCB-containing electrical equipment.
• Above ground tanks, which are not tested or inspected for leaks through the bottoms, placed over soil.
• Underground tanks that were removed/abandoned for unknown reasons.
• Uncertainties about the historical use and conditions of closed on-site lagoons and landfills.
• Insufficient groundwater monitoring around wastewater lagoons and impoundments, especially in clay-lined basins.
• Inadequate assessment of potential impacts to groundwater from past spills and releases to on-site soils.
• Use of hazardous gases which might be released to the environment if tanks, valves, pipes, connections, etc. fail.
• Nuisance odors and noises.
• Chemical plants located on heavily industrialized areas might be falsely blamed for environmental problems of other companies.
• Poor housekeeping practices.
• No information on past waste management practices and environmental releases.
• Inadequate employee safety and medical surveillance programs.
• Absent, inadequate or out-of-date emergency and spill control plans, many of which are extensive and complex.
• Use of unusual or even exotic chemical compounds which could hinder emergency response personnel in chemical identification.
• Poor information on the possible adverse reactions and interactions of chemical compounds that accidentally commingle during a fire.
• Inadequate auditing of hazardous and non-hazardous waste handling and disposal contractors.
• Obsolete and remote equipment storage (bone) yards where oils and other residual liquids percolate into the soils.
• Inadequate back flow prevention devices to prevent harmful chemicals from siphoning back into the municipal water supply.
• Large inventories of bulk hazardous gases stored near areas frequented by vehicular traffic.
• Infrequent or undocumented preventive maintenance.

This is not an exhaustive list of environmental exposures. It represents the most common environmental exposures for Chemical Manufacturing Facilities.

NY Workers Comp Code 4829 Chemical Manufacturing Rates

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NY Workers Comp Insurance for Warehouse Storage Class Code 8292

To find the best NY Workers Comp Insurance for Warehouse Storage Class Code 8292, contact Enforce Coverage Group. We offer free quotes & policy evaluations with competitive workers compensation rates for business owners.

This post was first published on August 17, 2011, and updated on June 30, 2020.

NY Workers Comp Insurance for Warehouse Storage

Description: Code 8292 workers maintain the warehouse and its equipment and the receiving, handling and release of the merchandise from storage. This warehousing is of merchandise that is owned by another business. Hence the warehouse firm has no equity in the merchandise that is stored. This code applies to merchandise stored over long periods of time and will not break down during storage.

Firms that have a constant movement of goods should refer to freight handling codes such as 7228 or 7229.

Code 8292 usually applies when no other more specific code applies.

Materials Used: warehouse equipment; storage merchandise such as dry cement; rice; coffee; potatoes; peanuts or other nonperishable products.

Pricing: Solid companies with a good loss history can obtain better than average pricing on NYS Workers’ compensation rates.

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GENERAL MERCHANDISE STORAGE FACILITIES
Category: Warehouses and Storage
SIC CODE: 4225 General Warehousing and Storage
NAICS CODE: 493110 General Warehousing and Storage
Suggested ISO General Liability Code: 99938
Suggested Workers Compensation Code: 8292

Description of operations: General warehouses offer long- and short-term storage facilities to both business and residential customers for all types of transportable property. The length of storage varies from a few days to years, depending on the customer’s needs. Services may include packing, pickup, delivery, and unpacking as well as storage. Some sell boxes and packaging supplies. While many warehouses are associated with or are part of moving operations, others may be associated with or part of specific operations storing only a consistent type of stock, such as a parts warehouse for a machinery manufacturer. Some are located next to railroad sidetracks or on waterways for easier access to rail or water transportation. They may be subject to federal inspection and regulation.

Property exposures are high. Ignition sources include electrical wiring, heating, and air conditioning systems. The combination of faulty or inadequate electrical wiring and equipment malfunctions, open construction, and large quantities of combustible stored items and packaging materials can lead to a severe loss. All wiring must be up to code and adequate for the operations performed. The stored goods may have heavy fire loads. There must be adequate aisle space to allow firefighters to carry out their duties. When another party does the packing, the warehouse will not know the type of property being stored or its potential fire hazards. If the rack storage of crates and boxes is used, there should be sprinklers in the racks. The sprinkler heads must be located high enough to avoid accidental contact with forklifts, but with enough clear space from the racks to allow unobstructed operation in the event of a fire. In order to reduce catastrophic losses, firewalls and fire divisions should separate the storage areas. Good housekeeping and fire controls are critical. Smoking should be prohibited. Forklifts should be refueled in a separate, ventilated area away from combustibles. Stored property may be a target for thieves. Appropriate security controls must be taken including physical barriers to prevent entrance to the premises after hours and an alarm system that reports directly to a central station or the police department.

Business income and extra expense exposures are high as replacement facilities may not be readily available.

Inland marine exposures include accounts receivables if the warehouse bills customers, computers for tracking inventory, contractors’ equipment, valuable papers and records for customers’ and suppliers’ information, and warehouse operators’ legal liability. Contractors’ equipment includes forklifts, cherry pickers, and hand trucks used for moving stored items. All data should be duplicated and placed off site for easy replication.
Warehouse operators’ legal liability will depend on the contract between the facility and its customers but should spell out who is responsible for damage to stored goods. Any items in storage must be marked to prevent incorrect release. Goods in transit coverage is needed if the operation includes pickup and delivery of customers’ goods.

Crime exposure is from employee dishonesty. Pre-employment background checks, including criminal history, should be performed on all employees handling money. Storage operations involve a number of transactions and accounts that can be manipulated. Loading docks should be supervised to minimize employee theft of goods. There must be a separation of duties between employees handling deposits and disbursements and reconciling bank statements. Regular audits, both internal and external, are important in order to prevent employee theft of accounts. Receipts must be provided for all payments and compared to money received. If packing or unpacking services are offered, drivers, loaders, and unloaders will have access to customers’ premises, increasing the exposure to theft of customer property or customer identity theft.

Premises liability exposure is limited due to the lack of public access to the storage facilities. Customer access should be limited to specific waiting areas, which should be kept clean, dry, and free of obstacles. Proper attention to housekeeping is needed to prevent trips, slips, and falls. There should be a disaster plan in place for unexpected emergencies. Contracts with transportation and storage providers may expose the operation to additional liability. The facility may have a railroad sidetrack or dock. An employee should verify that no one is in the path of an incoming or outgoing train. Railroad tracks and conveyors can be attractive nuisances. The premises should be enclosed by fencing with “No Trespassing” signs posted. Packing or unpacking at customers’ premises could result in bodily injury should objects fall on customers, or cause damage to customers’ property.

Automobile exposure can be high if pickup or delivery services are provided. Children may be present during loading or unloading operations, requiring additional caution. All drivers must be well trained and have valid licenses for the type of vehicle being driven. MVRs must be run on a regular basis. Random drug and alcohol testing should be required. Vehicles must be well maintained, with records kept at a central location.

 

NY Workers Comp Insurance for Warehouse Storage

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