Workers Compensation Loss Costs by Class
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- Virgil Brown
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1 Workers Compensation s by Effective July 1, 2006 The workers compensation class advisory loss costs are actuarially determined by the National Council on Compensation Insurance, Inc. (NCCI), West Virginia s statistical rating agent. The loss costs will become effective July 1, 2006 for all classifications. Advisory s do not include a carrier s Multiplier, which is a factor that increases the loss costs to recover administrative expenses and business operations. The final rate will be the class loss cost multiplied by the carrier loss cost multiplier. BrickStreet Insurance has filed and received approval from the Insurance Commissioner to implement a loss cost multiplier of Payroll fluctuations and allocations, classification assignments, experience rating modifications (E- Mods), credit programs and additional policy endorsements will all contribute to the final written premium due for each policy. These factors, as well as all surcharges, are not reflected in the loss cost amounts. The per capita classes (0909, 0912 and 0913) show a loss cost based on the number of employees reported for those classes rather than the payroll reported. Example: An employer reports 3 domestic workers for class The annual premium would calculate as follows: 3 X $ = $ annual written premium NCCI 0005 Farm: Nursery Employees & Farm Gardening-Market or Truck & Farm: Orchard & Farm: Poultry or Egg Producer & Farm: Florist & Farm: Dairy & Farm: Field Crops & Landscape Gardening & Farm Machinery Operation by Contractor & Farm: Berry or Vineyard & Farm: Cattle or Livestock Raising NOC & Tree Pruning, Spraying, Repairing All Operations & Farm Fish Hatchery & N Companion to 4771 Non-ratable P Domestic Workers Outside Occasional Including Occasional Private Chauffeurs P Domestic Workers Outside Including Private Chauffeurs P Domestic Workers Residences Domestic Workers Inside Domestic Service Contractor - Inside * Coal Mining - Surface & * Coal Mining - Surface & Traumatic - State Only * Coal Mining - NOC * Coal Mining - Underground Traumatic State only D Mining NOC - Not Coal - Underground - & D Mining NOC - Not Coal - Surface - &
2 1320 Oil or Gas Lease Operator - All Operations & Oil or Gas Well: Cleaning or Swabbing of Old Wells Having Previously Produced Gas or Oil by Contractor No Drilling & Smelting, Sintering or Refining - Lead - & Smelting, Sintering or Refining - Metals - Not Iron or Lead - NOC & Ore Milling & Coal Billet or Briquet Mfg & Distillation - Wood - & D Quarry NOC & Lime Mfg Lime Mfg - Quarry - Surface - & Rock Wool Mfg Cement Mfg D Stone Crushing & D Flint or Spar Grinding & Emery Works & D Stone Cutting or Polishing NOC & Abrasive Paper or Cloth Preparation Die Casting Mfg Cracker Mfg Bakery &, Route Supervisors Grain or Feed Milling Breakfast Food Mfg Sugar Refining Ice-Cream Mfg. & Candy, Chocolate, and Confection Mfg Milk Products Mfg NOC Creamery or Dairy & Route Supervisors, Butchering Packing House - All Operations Meat Products Mfg NOC Fruit Packing Cannery NOC Fruit Evaporating or Preserving Spirituous Liquor Distillery Fruit Juice Mfg. & Bottling - Not Carbonated Liquids - Or Spirituous Liquors - & Route Supervisors, Bottling NOC & Route Supervisors, Cigarette Mfg Cotton Batting, Wadding or Waste Mfg Yarn or Thread Mfg - Cotton Felting Mfg Silk Thread or Yarn Mfg Textile Fiber Mfg - Synthetic Hosiery Mfg Knit Goods Mfg NOC Webbing Mfg Embroidery Mfg Carpet or Rug Mfg NOC Textile - Bleaching, Dyeing, Mercerizing, Finishing
3 2417 Cloth Printing Cloth, Canvas and Related Products Mfg. NOC Dressmaking or Tailoring - Custom Exclusively Mattress or Box Spring Mfg Laundry NOC & Route Supervisors, Towel or Toilet Supply Co. & Route Supervisors, Laundry and Dry Cleaning Store - Retail & Route Supervisors, Tanning Shoe Stock Mfg Boot or Shoe Mfg. NOC Luggage Mfg Leather Goods Mfg NOC Logging or Lumbering & Sawmill Veneer Mfg Planing or Molding Mill Barrel Stock Mfg. Wood Pallet, Box or Box Shook Mfg. Wooden Pattern Making NOC Carpentry - Shop Only - & Cabinet Works With Power Machinery Brush or Broom Assembly Woodenware Manufacturing NOC Furniture Assembly - Wood - From Manufactured Parts Furniture Mfg - Wood - NOC Veneer Products Mfg Veneer Products Mfg - No Veneer Mfg Musical Instruments Mfg - Wood NOC Pencil, Penholder or Crayon Mfg Wood Preserving & Iron or Steel: Manufacturing: Steelmaking - & Iron or Steel: Manufacturing: Rolling Mill & Pipe or Tube Mfg NOC & Rolling Mill NOC & Pipe or Tube Mfg - Iron or Steel - & Iron or Steel: Fabrication: Ironworks or Steelworks Shop Structural & Iron or Steel: Fabrication: Iron Works - Shop - Ornamental - & Iron or Steel: Fabrication: Iron Works - Shop - Decorative or Artistic - Foundries, Sign Manufacturing Metal Sheet Metal Work - Shop Fireproof Equipment Mfg D Foundry - Ferrous - NOC D Foundry Steel Castings D Foundry - Nonferrous Forging Work - Drop or Machine Blacksmith Tool Mfg - Not Drop or Machine Forged - NOC Tool Mfg - Drop or Machine Forged - NOC: Machining or Finishing of Tools or Die Making Operations Saw Mfg Cutlery Mfg NOC
4 3126 Tool Mfg - Agricultural, Construction, Logging, Mining, Oil or Artesian Well Nut or Bolt Mfg Screw Mfg Hardware Mfg. NOC Stove Mfg D Radiator or Heater Mfg Electrical Apparatus Mfg NOC Plumbing Supplies Mfg, NOC Can Mfg Enamel or Agate Ware Mfg Aluminum Ware Mfg Wire Rope or Cable Mfg. Iron or Steel Wire Goods Mfg. NOC Eyelet Mfg Bed Spring or Wire Mattress Mfg Spring Mfg Brass or Copper Goods Mfg Tin Foil Mfg Welding or Cutting NOC & Electroplating Galvanizing or Tinning - Not Electrolytic Jewelry Mfg Metal Stamped Goods Mfg NOC Construction or Agricultural Machinery Mfg Confection Machine Mfg Computing, Recording or Office Machine Mfg, NOC Pump Mfg Boilermaking Precision Machined Parts Mfg. NOC Machine Shop NOC Valve Mfg Gear Mfg or Grinding Battery Mfg. - Dry Electric Power or Transmission Equipment Mfg Battery Mfg - Storage Automotive Lighting, Ignition, or Starting Apparatus Mfg. NOC Television, Radio, Telephone or Telecommunication Device Mfg NOC Instrument Mfg, NOC Machinery or Equipment Erection or Repair NOC & Boiler Installation or Repair - Steam Automobile Radiator Mfg Automobile Mfg or Assembly Automobile Recycling & Automobile, Bus, Truck or Trailer Body Mfg: Die Pressed Steel Automobile, Bus, Truck or Trailer Body Mfg: NOC Aircraft Engine Mfg Automobile Engine Mfg Airplane Mfg Motorcycle Mfg. Or Assembly Baby Carriage Mfg Car Mfg. - Railroad - & Sand or Gravel Digging &
5 4021 Brick or Clay Products Mfg. NOC & D Refractory Products Mfg & Concrete Products Mfg & Plasterboard or Plaster Block Mfg. & Plaster Statuary or Ornament Mfg Pottery Mfg.: China or Tableware Pottery Mfg. Earthenware Glazed or Porcelain Hand Molded or Cast Pottery Mfg: Porcelain Ware Mechanical Press Forming Glass Mfg - & Glassware Mfg. - No Automatic Blowing Machines Incandescent Lamp Mfg Glass Mfg. - Cut Glassware Mfg NOC Glass Merchant Mirror Mfg Cathedral or Art Glass Window Mfg Optical Goods Mfg. NOC Pulp Mfg - Ground Wood Process Pulp Mfg - Chemical Process Paper Mfg Box Mfg. - Set-Up Paper Box Mfg. - Folding Paper - NOC Corrugated or Fiberboard Container Mfg Paper Coating Stationery Mfg Fiber Goods Mfg Bag Mfg - Plastic or Paper Paper Goods Mfg NOC Building or Roofing Paper or Felt Preparation - No Installation Printing Newspaper Publishing Bookbinding Photoengraving Engraving Photographer - All Employees & Clerical, Salespersons, Rubber Goods Mfg NOC Rubber Tire Mfg Lacquer or Spirit Varnish Mfg Plastics Mfg - Fabricated Products NOC Plastics Mfg Sheets, Rods, or Tubes Plastics Manufacturing: Molded Products NOC Fabric Coating or Impregnating NOC Analytical Chemist Ink Mfg Paint Mfg X Carbon Manufacturing - WV State Special Salt, Borax or Potash Producing or Refining & Fertilizer Mfg & Drug, Medicine or Pharmaceutical Preparation, Compounding or Blending - No Mfg. Of Ingredients Oxygen or Hydrogen Mfg & Glue Mfg &
6 Rendering Works NOC & Oil Mfg. - Vegetable - NOC Dental Laboratory Pharmaceutical or Surgical Goods Mfg. NOC Soap or Synthetic Detergent Mfg Oil Refining - Petroleum - & Asphalt or Tar Distilling or Refining & N Explosives or Ammunition Mfg: NOC & Explosives Distributors & Drug, Medicine or Pharmaceutical Preparation Mfg. - Includes Mfg. Of Ingredients Chemical Blending or Mixing NOC - All Operations and Chemical Manufacturing NOC - All Operations & INCLUDES BLENDING OR MIXING Sporting Goods Mfg. NOC Photographic Supplies Mfg Ceiling Installation - Suspended Acoustical Grid Type Masonry NOC Painting: Metal Structures - Over Two Stories in Height - & Iron or Steel: Erection - Frame Structures Iron or Steel : Erection NOC Iron or Steel: Erection - Frame Structures Not Over Two Stories in Height Iron or Steel: Erection - Construction of Dwellings not over two Stories in Height Door, Door Frame or Sash Erection - Metal or Metal Covered Furniture or Fixtures Installation - Portable - NOC Elevator Erection or Repair Plumbing NOC & Automatic Sprinkler Installation & Electrical Wiring - Within Buildings & Office Machine Installation, Inspection, Adjustment or Repair Vending or Coin Operated Machines - Installation, Service or Repair & Salespersons, Concrete Construction NOC Concrete Work - Incidental to the Construction of Private Residence Concrete or Cement Work - Floors, Driveways, Yards or Sidewalks & Concrete Construction in Connection with Bridges or Culverts Swimming Pool Construction - Not Iron or Steel - & Ceramic Tile, Indoor Stone, Marble, or Mosaic Work Carpentry NOC Carpentry - Installation of Cabinet Work or Interior Trim Lathing & Wallboard Installation within Buildings & Glazier - Away From Shop & Asbestos Contractor - Pipe and Boiler Work Exclusively & Asbestos Contractor - NOC & Painting or Paperhanging NOC & Shop Operations, Floor Covering Installation Resilient Flooring Carpet and Laminate Flooring Insulation Work NOC & Plastering NOC & Paperhanging & Street or Road Construction: Paving or Repaving & Street or Road Construction: Subsurface Work & D Street or Road Construction: Rock Excavation & 9.96
7 Heating, Ventilation, Air-Conditioning and Refrigeration Systems Installation, Service and Repair & Sheet Metal Work - shop and Outside - NOC & Roofing - All Kinds & Contractor Project Manager, Construction Executive, Construction Manager or Construction Superintendent Cleaners-Debris Removal Carpentry - Detached One or Two Family Dwellings Carpentry - Dwellings - Three Stories or Less Building Raising or Moving Pile Driving Jetty or Breakwater Construction - All Operations to Completion & Dam or Lock Construction: Concrete Work - All Operations Dam or Lock Construction: Earth Moving or Placing - All Operations & Drilling NOC & Oil or Gas Well: Specialty Tool Operation NOC - By Contractor - All Employees & Oil or Gas Lease Work NOC by Contractor & Excavation & Irrigation or Drainage System Construction & Oil or Gas Pipeline construction & Oil or Gas Well: Drilling or Re-drilling & Oil or Gas Well: Installation or Recovery of Casing & Oil or Gas Well: Instrument Logging or Survey Work & D Tunneling - Not Pneumatic - All Operations D Shaft Sinking - All Operations D Tunneling - Pneumatic - All Operations Sewer Construction - All Operations & Gas Main or Connection Construction & Conduit Construction - For Cables or Wires - & Fence Erection - Metal Food Sundries Mfg NOC Boatbuilding or Repair & - Coverage Under State Act Only Marina & - Coverage Under State Act Only Ship Repair Conversion All Operations &. Coverage Under State Act Only Painting Ship Hulls: Coverage Under State Act Only M Vessels NOC - Coverage Under Admiralty Law: Program I M Vessels NOC - Coverage Under Admiralty Law: Program II - State Act Benefits M Boat Livery - Boat Under 15 Tons - Program I M Boat Livery - Boat Under 15 Tons - Program II State Act Benefits Railroad Operation, NOC All Employees & Trucking Local Hauling Only All Employees & Trucking Long Distance Hauling All Employees & Trucking Parcel or Package Delivery-All Employees & Mail, Parcel, or Package Delivery and Courier or Messenger Service Companies All Employees & Trucking: Mail, Parcel or Package Delivery - Under Contract with the US Postal Service - All Employees & Stevedoring: NOC - State Act Only F Stevedoring: NOC M Dredging - All Types - Coverage Under Admiralty Law: Program I M Dredging - All Types - Coverage Under Admiralty Law: Program II - State Act Benefits 7.69
8 7360 Freight Handling NOC - Coverage Under State Act Only Taxicab Co.: All Other Employees & , Chauffeurs, Messengers, and Their Helpers NOC - Commercial Bus Co.: All Other Employees & Beer or Ale Dealer - Wholesale & M Diving - Marine - Coverage Under Admiralty Law: Program I M Diving - Marine - Coverage Under Admiralty Law: Program II - State Act Benefits Aviation All Other Employees & N Aviation Air Carrier Scheduled, Commuter, or Supplemental Flying Crew Aviation Stunt Flying, Racing, or Parachute Jumping Flying Crew Aviation Transportation of Personnel in Conduct of Employer s Business Flying Crew Aviation NOC Other Than Helicopters Flying Crew N Aviation Air Charter or Air Taxi Flying Crew N Companion to 7405 Non-ratable N Companion to 7431 Non-ratable Gas Co - Natural Gas - Local Distribution & Oil or Gas Pipeline Operation & Waterworks Operation & Electric Light or Power Line Construction & Electric Light or Power Co. NOC - All Employees & Electric Light or Power Cooperative - REA Projects Only - All Employees & Sewage Disposal Plant Operation & Garbage Works Telephone or Telegraph Co.: All Other Employees & Telephone, Telegraph or Fire Alarm Line Construction & Burglar Alarm Installation or Repair & Radio or Television Broadcasting Station - all employees & Clerical, Telephone or Cable TV Line Installation - Contractors, Underground & Telephone or Cable TV Line Installation - Contractors, Overhead & Telephone or Cable TV Line Installation - Contractors, Service Lines and Connections & Firefighters & Police Officers & Railroad Construction: Laying or Relaying of Tracks or Maintenance of Way by Contractor No Work on Elevated Railroads & Store Florist & Automobile Rental Co.: All Other Employees & Counter Personnel, Gasoline Station: Self Service and Convenience / Grocery - Retail Store: Clothing, Wearing Apparel or Dry Goods - Retail Store: Hardware Store: Jewelry Quick Printing Copying Or Duplicating Service All Employees & Clerical, Salespersons, Store: Retail NOC Store: Wholesale NOC Store Meat, Fish or Poultry Dealer Wholesale Store: Meat, Fish or Poultry - Retail Store Clothing, Wearing Apparel, or Dry Goods Wholesale Store: Meat, Grocery and Provision Stores Combined - Retail NOC Store Department - Retail Store: Furniture &
9 8045 Store: Drug Retail Store: Automobile Parts and Accessories NOC & Store Drug-Wholesale Building Material Dealer - New Materials Only: Store Employees Store: Book, Record, Compact Disk, Software, Video or Audio Cassette Retail Seed Merchant Store Hide or Leather Dealer Iron or Steel Merchant & Machinery Dealer NOC - Store or Yard - & Plumbers' Supplies Dealer & Farm Machinery Dealer - All Operations & Ice Mfg. or Distribution & Building Material Yard & Local Managers, Vegetable Packing & Feed, Fertilizer, Hay or Grain Dealer & Local Managers, - No Mfg Construction or Erection Permanent Yard Lumberyard New Materials Only: All Other Employees & Yard, Warehouse, Coal Merchant & Local Managers, Sash, Door or Assembled Millwork Dealers & Junk Dealer & Bottle Dealer - Used & Iron or Steel Scrap Dealer & Stable or Breeding Farm & Livestock Dealer or Commission Merchant & Salespersons, Storage Warehouse - Cold Storage Warehouse - NOC Storage Warehouse - Furniture & Gasoline or Oil Dealer & Automobile Service or Repair Center & Gasoline Station Self-Service Only-Retail Bus Co Garage Employees Automobile Storage Garage, Parking Lot or Parking Station, Valet Service, Cashiers or Counter Personnel & Automobile Body Repair Metal Scrap Dealer & Architect or Engineer - Consulting Geophysical Exploration - Seismic - All Employees & Stevedoring: Talliers and Checking Clerks Engaged in Connection with Stevedore Work - Coverage Under State Act Only Inspection of Risks for Insurance or Valuation Purposes NOC Real Estate Appraisal Company - Outside Employees Salespersons or Collectors Outside News Agent or Distributor of Magazines or Other Periodicals - Not Retail Dealer - & Salespersons, Automobile Salespersons Labor Union - All Employees Mailing or Addressing Co & Clerical Auditors, Accountant or Factory Cost or Office Systematizer - Traveling Clerical Office Employees NOC Attorney - All Employees & Clerical, Messengers, Retirement Living Centers Health Care Employees Retirement Living Centers Food Service Employees
10 Retirement Living Centers: All Other Employees, Salespersons & Convalescent or Nursing Home - All Employees Hospital - Veterinary & Physician & Clerical Hospital - Professional Employees Home, Public, and Traveling Healthcare All Employees Charitable or Welfare Organization - Professional Employees & Clerical College: Professional Employees & Clerical Child Day Care Center - Professional Employees and Clerical, Salespersons Clerical Telecommuter Employees Telephone or Telegraph Co Office or Exchange Employees & Clerical Buildings - Operation by Owner, Lessee or Real Estate Management Firm: Professional Employees, Property Managers and Leasing Agents & Clerical, 0.97 Salespersons 9014 Buildings - Operation by Contractors Buildings - Operation by Owner or Lessee or Real Estate Management Firm: All Other Employees Amusement Park or Exhibition Operation & Bridge or Vehicular Tunnel Operation & Housing Authority & Clerical, Salespersons, Hospital: All Other Employees Casino Gambling - Hotel all Employees & Clerical, Salespersons, Hotel: All Other Employees & Salespersons, Hotel Restaurant Employees Child Day Care Center - All Other Employees and Club - Country, Golf, Fishing or Yacht - & Clerical Club NOC & Clerical Casino Gambling: All Employees & Clerical, Salespersons, YMCA, YWCA, YMHA or YWHA, Institution - All Employees & Clerical Restaurant NOC Restaurant: Fast Food Bar, Discotheque, Lounge, Nightclub or Tavern Billiard Hall Bowling Lane College: All Other employees Park, NOC - All Employees & Charitable or Welfare Organization - All Other Employees & Theater NOC: All Other Employees Theater NOC: Players, Entertainers or Musicians Athletic Team or Park: Non-contact Sports Athletic Team or Park: Contact Sports Amusement Device Operation NOC - Not Traveling - & Athletic Team or Park: Operations & Carnival, Circus or Amusement Device Operator - Traveling - All Employees & Cemetery Operation & Street Cleaning & Garbage, Ashes or Refuse Collection & Municipal, Township, County or State Employee NOC X Rehabilitation Services-Participants-Unpaid Work Based Training Program X Board of Education-Students-Unpaid Work Based Training Program Painting: Shop Only & Painting: Automobile or Carriage Bodies 3.29
11 9516 Radio, Television, Video and Audio Equipment Installation, Service or Repair & Household and Commercial Appliances Electrical Installation, Service or Repair & House Furnishings Installation NOC & Upholstering Upholstering Mobile Crane and Hoisting Service Contractors - NOC - all Operations & Sign Installation, Maintenance, Repair, Removal, or Replacement NOC Away From Shop & Barbershop, Beauty Parlor or Hair Styling Salon Taxidermist Funeral Director & 0.85 Suffix Guide: D Disease Loading Included F Advisory provides for coverage under the United States Longshore and Harbor Workers Compensation Act and its extensions N Non-ratable Companion s P Per Capita s X Special ification Phraseology for WV * Includes Non-ratable Disease Elements 11
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