Workers are classified according to the type of work they actually perform.
Different operations have different expected injury frequency and severity.
For example:
- Office clerical employees
- Sales employees
- Carpenters
- Roofers
- Electricians
- Plumbers
- Concrete workers
may all have different Workers’ Compensation classifications and rates.
This is why accurately describing the business is extremely important.
NCCI specifically asks contractors to identify the type of contractor, work performed, specialized equipment, and nature of subcontracted work when determining appropriate classification.
Read more:NCCI — Workers’ Compensation Classification & Rating