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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