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Bridge Business Insurance Solution Blog: classification

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Meal Delivery Companies Many people enjoy the convenience of having prepared meals delivered and restaurant employees who are drivers engaged in delivery operations are assigned to Classification 9079(1), Restaurants, as General Inclusions. However, not all restaurants offer delivery or employ delivery drivers. READ MORE >>

Physical Separation and Clerical Office Separation Physical separation is required when applying the Multiple Enterprises rule in Part 3, Standard Classification System, Section III, General Classification Procedures, Rule 3. The term Physical Separation or Physically Separated is defined at Section II, Classification Terminology, Rule 21: READ MORE >>

What happens when a policyholder doesn’t cooperate with a final audit? We will attempt to publish an experience modification excluding the unaudited payroll, but using all of the reported losses. The Experience Rating Plan does not allow the use of estimated or unaudited payroll in the experience modification calculation. READ MORE >>

AUTOMOBILE, TRUCK OR VAN CONVERSION OR CUSTOMIZING – all operations – including estimators and customer service representatives who inspect vehicles This classification applies to employers engaged in the conversion or customizing of automobiles, trucks or vans by performing a combination of mechanical, chassis, body, paint, upholstery and accessory installation work. READ MORE >>

Classifying Automotive Repair Operations AUTOMOBILE OR TRUCK REPAIR FACILITIES – no retail gasoline sales – all employees – including estimators, service writers and customer service representatives – N.O.C.  - 8389 READ MORE >>

A workers’ compensation policy typically insures a single entity (individual, partnership, corporation, etc.). More than one entity may be insured on a policy, but only when the entities share majority common ownership. Separate policies are required for entities that do not share majority common ownership. READ MORE >>

CLOTHING MFG. – including embroidery manufacturing  - 2501 This classification includes clothing manufacturers that design garments, even if some or all of the production sewing or assembling operations are subcontracted. READ MORE >>

Historically these operations have been assigned by analogy to Classification 9015(1), Building Operation – N.O.C., based on the similarity of these operations with maintenance operations that are performed by property management employers, provided the operations do not require a contractor’s license. READ MORE >>

When classifying an employer that engages in disaster cleanup and restoration operations several classifications are potentially applicable, based on the scope of the employer’s operations. These employers specialize in the initial cleanup operations at sites where fire or flood damage has occurred. READ MORE >>

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