Classifications

Classification Description

Applicable to businesses pruning, spraying, trimming or fumigating trees. These operations may require tree climbing using ladders and/or ropes and/or aerial buckets. Code 005 applies to the whole tree work job or location, meaning Code 005 also includes ground personnel whose job duties may include but are not necessarily limited to: chipping, cleanup activities, the removal and/or the hauling away of tree limbs and debris regardless of whether or not a separate contract is written for tree pruning or lawn maintenance and another contract is written for the removal, chipping, cleanup activities and/or the hauling away of tree limbs and debris.

Also includes generalist tree care service contractors that perform most or all of the above listed services or specialists principally engaged in providing a single service (e.g., clearing the rights-of-way/tree pruning for utility lines). Code 005 further contemplates tree removal that is incident to the employer’s pruning, spraying, repairing, trimming or fumigating services.

Operations Not Included

1. Assign the applicable logging classification to logging businesses or clearing of land projects that include tree removal.
2. Separately rate to Code 012 landscaping or lawn cutting or maintenance.

Underwriting Guide

Clearing Of Right-Of-Way, For Telephone Or Electric Lines
Orchard Work, Fumigating By Contractor
Orchard Work, Pruning By Contractor
Tree Pruning, Spraying, Repairing, Trimming Or Fumigating

Operations Not Included

1. Assign Code 113 to separately-staffed canning, pickling or operations preserving vegetables by use of another food preservation technique.
2. Assign the appropriate inside domestic workers’ classification to inside domestic workers.
3. Assign a separately staffed and physically separated or separately located retail store or outlet to the appropriate store classification based on the principal category of merchandise sold.

Underwriting Guide

Farm, N.O.C.
Grain Farm
Grass Seed Raising
Hay Farm
Sod Farm
Tobacco Farm
Vegetable Farm

Operations Also Included

1. Specialist contractors performing one or more of the following tasks: filling mushroom beds with compost, spawning or casing.

Operations Not Included

1. Assign the applicable logging classification to logging operations.
2. Assign Code 301 to sawmill operations.

Underwriting Guide

Compost Filling Of Mushroom Beds – By Contractor
Ensilage Cutting By Contractor
Farm Machinery Operation By Contractor
Fertilizer Application To Soil
Grain Harvesting By Contractor
Harvesting By Contractor
Hay Baling, By Contractor
Lime Spreading
Milling Of Grain, With Portable Mills
Mushroom Bed Filling With Compost – By Contractor
Shredding Of Agricultural Products By Contractor
Threshing By Contractor

Classification Description

Applies to businesses principally engaged in raising mushrooms, including the incident production of hay or other materials for compost.

Operations Not Included

1. Assign Code 007 to specialist contractors performing one or more of the following tasks: filling mushroom beds with compost, spawning or casing.
2. Assign Code 113 to separately-staffed mushroom canning operations.

Underwriting Guide

Farm, Mushroom
Mushroom Raising
Mushroom Spawn Production

Classification Description

Applicable to a logging or lumbering business principally engaged in cutting/felling trees for lumber or wood chips or clearing land of trees by chainsaws regardless of the trees’ size. Includes stump removal incident to logging or lumbering by the logging business.

Also applicable to the transportation of the logs to a mill and to the construction, maintenance or extension of landings or logging roads when performed by employees of the logging business.

Operations Not Included

1. Assign Code 301 to sawmill operations conducted by a separate crew of employees.
2. Assign Code 811 to specialist contractors engaged in hauling logs for an unrelated logging or lumbering business. Assign Code 301 to log hauling performed by a sawmill business when all logging or lumbering has been outsourced to an unrelated logging or lumbering business (es).

Underwriting Guide

Logging – By Chain Saws
Lumbering – By Chain Saws

Classification Description

Applicable to businesses principally engaged in raising, growing or cultivating flowers and/or plants used for indoor decorative purposes.

Operations Also Included

1. An employer principally engaged in vegetable growing in a hothouse or greenhouse and/or by hydroponic method.
2. An employer principally engaged in growing medical marijuana.

Operations Not Included

1. Assign Code 919 to a physically separate and separately staffed florist store or outlet operated by an employer classified to Code 0011.
2. Assign Code 927 to a physically separate and separately staffed medical marijuana dispensary.

Underwriting Guide

Flower Raising
Greenhouse, Flower Or Vegetable
Growing Hot House, Vegetable Growing
Hydroponic Vegetable Production
Medical Marijuana Growing
Vegetable Growing, Hot House

Classification Description

Includes the construction of dry stone walls, rock gardens, patios, garden walks and the like when such operations are incidental to the landscape or lawn maintenance operations.

Operations Not Included

1. Separately rate to Code 005 tree pruning, spraying, trimming, repairing or fumigating, including ground personnel performing chipping, cleanup, the removal and/or hauling away of tree limbs and debris at a tree job or location.
2. Assign Code 0013 to separately-staffed nursery or Christmas tree raising.
3. Outside domestic workers engaged in the care of lawns, shrubs or grounds surrounding the personal residence of the insured shall be assigned to Code 0912 or Code 0909 pursuant to Section 1, Rule XIV of this Manual.
4. Assign Code 0006 to sod farms.

Underwriting Guide

Artificial Turf Installation – By Contractor
Brush Or Weed Spraying – By Contractor – Except Aerial Spraying
Gardener
Grass Cutting Along Highways By Specialist Contractor
Grass Cutting, Lawns, By Contractor
Installation of Well Pad Containment Liners & Fences (Barriers) – by Independent Contractor
Landscape Contractor
Lawn Care Service Company – Including Lawn Cutting, Maintenance Or Spraying
Residential Pond or Water Garden Installation
Street Or Road Landscape Planting And Maintenance – By Specialist Contractor
Weed Or Brush Spraying – By Contractor – Except Aerial Spraying

Classification Description

Applicable to businesses principally engaged in raising trees (including Christmas trees), shrubs and/or bedding plants used for outdoor planting.

Operations Not Included

1. Assign Code 928 to separately staffed and physically separated store or outlet operated by an employer classified to Code 0013.

Underwriting Guide

Christmas Tree Raising
Farm, Tree
Nursery

Classification Description

Applicable to a logging or lumbering business principally engaged in cutting/ felling trees for lumber, wood chips or clearing land by means of mechanized equipment. Mechanized tree felling equipment is a tracked or wheeled unit that has an enclosed cab (e.g., a feller-buncher that has a fixed-grip harvesting head that can grasp, cut, lift, swing and bunch trees), and the equipment’s operator does not normally leave the cab in the performance of his tree cutting/felling duties. Stump removal incident to the logging or lumbering business is included.

Also applicable to the transportation of the logs to a sawmill or another type of customer and to the construction, maintenance or extension of landings or logging roads when performed by the employees of the logging business.

Operations Not Included

1. Assign Code 301 to sawmill operations conducted by a separate crew of employees
2. Assign Code 811 to specialist contractors engaged in hauling logs for an unrelated logging or lumbering business. Assign Code 301 to log hauling performed by a sawmill business when all logging or lumbering has been outsourced to an unrelated logging or lumbering business (es).

Underwriting Guide

Logging – By Means Of Mechanized Equipment
Lumbering – By Means Of Mechanized Equipment
MINING AND QUARRYING

Operations Not Included

1. Assign Code 113 to separately-staffed wine, apple juice or similar products’ manufacturing.
2. Assign inside domestic workers to the applicable inside domestic workers’ classification.
3. Assign a separately staffed and physically separated or separately located retail store or outlet to the appropriate store classification based on the principal category of merchandise sold.

Underwriting Guide

Berry Farm
Cranberry Grower
Fruit Farm
Fruit Packing, By Grower
Fruit Picking
Orchard
Vineyard

Operations Not Included

1. Assign Code 111 to separately-staffed hog or calf dressing operations.
2. Assign Code 865 to separately-staffed poultry dressing operations.
3. Assign inside domestic workers to the appropriate inside domestic workers’ classification.

Underwriting Guide

Animal Raising – Egg Production, Fish Hatcheries, Hogs, Poultry Or Veal
Calf Raising For Veal
Chinchilla Farm
Farm, Chicken
Farm, Egg Producer
Farm, Fish
Farm, Poultry
Fish Grower
Fish Hatchery
Fur Bearing Animal Raising
Hog Farm
Mink Farm
Ostrich Farm
Piggery
Poultry Or Egg Producer
Veal Calf Raising

Operations Not Included

1. Assign Code 109 to separately-staffed milk plant processing operations.
2. Assign inside domestic workers to the appropriate inside domestic workers’ classification.
3. Assign a separately staffed and physically separated or separately located retail store or outlet to the appropriate store classification based on the principal category of merchandise sold.

Underwriting Guide

Dairy Farm
Farm, Dairy
Milk Producer – Fluid Only

Classification Description

Applicable to businesses principally engaged in operating sand or gravel pits and in washing, screening, or otherwise preparing sand or gravel. Also included are businesses principally engaged in surface mining along with milling or otherwise preparing by the producer any type of clay, or performing the dredging of materials on non- navigable waters with incidental shore operations.

Underwriting Guide

Clay (Any Type) Excavation Or Surface Mining – Including Milling Or Washing
Dredging Of Materials On Non-Navigable Waters With Incidental Shore Operations
Gravel Or Sand Digging Or Excavation – Including Crushing
Metal Salvaging, From Slag Dumps
Quarry, Gravel Or Slag Excavation – Including Crushing
Shale Digging Or Excavation In Open Pits
Slag Digging Or Excavation – Including Crushing

Underwriting Guide

Clay Milling Or Washing By Other Than Producer
Emery Works – Crushing Or Grinding
Flint Or Feldspar Grinding, Not Done By Quarry
Gravel Crushing By Dealer
Metal Powder Mfg. – Crushing Or Grinding – By Independent Contractor
Mineral Milling
Ore Milling
Powder Mfg. – Metal – Crushing Or Grinding – By Independent Contractor
Stone Crushing By Other Than Producer Or Road Contractor
Talc Mill
Vermiculite Crushing and/or Processing By Other Than Producer

Operations Not Included

1. Assign Code 801 to a farm principally engaged in the breeding and/or raising of horses.
2. Assign inside domestic workers to the appropriate inside domestic workers’ classification.

Underwriting Guide

Breeding Farm – Cattle, Sheep Or Goats
Cattle Farm
Farm, Livestock
Goat Farm
Livestock (Excluding Dairy Or Horses) Farm – Animal Raising In Fields/Pastures
Sheep men

Underwriting Guide

Breakfast Cereal Mfg.
Feed Mfg. – Preparation Of Cereal Or Compound
Feeds For Livestock Or Poultry
Flour Mfg. – Wood
Flour Milling
Grain Mill – Permanently Located Mill
Grist Mill – Permanently Located
Milling Of Grain – Permanently Located
Pellet Mfg. – Wood
Potato Flour Mfg.
Wood Flour Or Pellet Mfg.

Operations Not Included

1. Assign Code 101 to a business performing cereal milling.
2. Assign Code 106 to a business preparing meat products by smoking, corning, curing, salting, encasing, etc.
3. Assign Code 112 to a business manufacturing, bottling and/or canning any carbonated beverage.
4. Assign Code 113 to a business pickling cucumbers or other foods.
5. Assign Code 113 to a business manufacturing preserved fruits (e.g., candied fruit peels or rinds, pie fillings, soda fountain syrups) by cleaning, cutting and cooking the required ingredients.
6. Assign Code 113 to business manufacturing syrup by mixing and cooking fruits or fruit juices with sugar and related ingredients.
7. Assign Code 113 to a business manufacturing fruit or vegetable juice by pressing the fruit or vegetables to extract the juice by mechanical means and the bottling or canning of the juice.
8. Assign Code 571 to the manufacture of essential oils or extracts such as used for perfume.
9. Assign Code 898 to the preparation of food by caterers.
10. Assign Code 907 to fresh fruit or vegetable packers whose operations typically include washing, sorting, grading and/or chilling the fresh fruit or vegetables for shipment to customers or to fresh fruit or vegetable dealers whose operations may include washing, sizing and/or packaging the fresh fruits or vegetables.
11. Assign Code 911 to a business repackaging food products from large containers into smaller ones involving no processing operations. This would include dry, liquid, semi-liquid or solid products.
12. Assign the applicable agricultural class to a business principally engaged in raising of one or more different fruits or vegetables whose operations may include the washing, sizing and/or packaging thereof prior to shipment to customers.

Underwriting Guide

Baking Powder Mfg.
Beverage Mfg., N.O.C. (Non-Carbonated)
Cake Mix Mfg. – Dry Blending
Cat Food Mfg. – Dry/Bagged – No Cereal Milling
Chinese Food Mfg.
Coconut Shredding Or Drying
Coffee Grinding And Roasting
Corn Chip Mfg.
Dog Food Mfg. – Dry/Bagged – No Cereal Milling
Energy/Sports Drinks Mfg. (Non-Carbonated)
Flavoring Extract Mfg.
Flavoring Syrups Blending
Flour Mixing And Blending, No Milling
Food Products Mfg., N.O.C.
Fruit Flavored Drink Mfg.
Fruit Juice Mfg. – From Purchased Concentrates Only
Herbs – Blending, Grinding And Packing
Ice Mfg. – Not Dry Ice
Ketchup Mfg.
Licorice Extract Mfg.
Malted Milk Mfg. – From Powdered Milk, Sugar, Malt And Cocoa
Mayonnaise Mfg.
Medicinal Extract Mfg.
Mustard (Prepared) Mfg.
Noncarbonated Beverage Mfg., N.O.C.
Nuts (All Types) – Cleaning And Shelling – By Specialist Contractor
Peanut Butter Mfg.
Peanut Handling, Cleaning, Grading or Shelling- By Specialist Contractor
Pizza Assembly – No Baking Operation
Potato Chip Mfg.
Relish Mfg. – Fruit Or Vegetable – No Pickling Operations
Salad Dressing Mfg.
Salad Preparation – Cole Slaw, Egg, Potato, Etc.
Sandwich Spread Mfg. – Salad Dressing Base
Sauces Mfg.
Seasoning – Prepared Sauces – Vegetable
Soup Mfg.
Spice Grinding
Sports/Energy Drinks Mfg. (Non-Carbonated)
Sugar Repacking, Mixing, Blending Only
Tea – Blending And Mixing Including Packing Into Teabags
TV Dinner Type Meals, Cooking, Packing And Freezing
Vegetable Sauce Mfg.
Vinegar Mfg. – From Purchased Concentrates Only
Yeast Mfg.

Classification Description

Includes payroll developed by employees engaged as delivery salespersons, route salespersons and/or route supervisors engaged in the delivery of the insured’s products to customers.

Operations Also Included

1. Assign Code 924 to wholesale bakery products distribution when all baking/production facilities are located outside of Delaware.
2. Assign Code 924 to wholesale bakery products distribution conducted by an independent contractor not affiliated with any baking/production facilities operated in Delaware.

Underwriting Guide

Bakery – Wholesale
Cracker Mfg.
Doughnut Mfg. – By Wholesale Bakery
Ice Cream Cone Mfg.
Macaroni, Spaghetti, Vermicelli Or Noodles Mfg.
Pretzel Mfg.

Classification Description

Applicable to businesses that are principally engaged in making processed meat products. Such businesses will perform no slaughtering of animals whatsoever nor will they handle any livestock. The businesses will receive meat from unrelated concerns in boxed form and/or in carcass or partial carcass form. Processed shall mean that definite changes result in the meat product due to the application of chemicals and/or heat (the use of smoke and/or cooking) to the meat materials. Typical products of such businesses include but are not necessarily limited to: sausage, frankfurters, ready-to-eat luncheon meats, hams or bacon.

Operations Also Included

0. Employees engaged as delivery salespersons, route salespersons and/or route supervisors engaged in the delivery of the business’ products to customers.

Operations Not Included

1. Assign Code 111 to a processed meat products manufacturing business that slaughters animals or handles livestock and is principally engaged in the wholesale sale of the processed meat products.
2. Assign Code 915 to a business slaughtering animals and who makes fresh meat cuts and/or processed meat products and is principally engaged in the retail sale of the fresh and/or processed meat products.
3. Assign Code 910 to a business principally engaged in selling meat on a wholesale basis. Meat is received in boxed, carcass or partial carcass form and cut and/or ground into portion-controlled fresh meat products such as steaks, roasts, or chops. Code 910 does not include killing animals, handling livestock, or utilizing chemicals and/or heat (the use of smoke and/or cooking) to process the meat.
4. Assign Code 119 to a business principally engaged in taking beef and/or veal and cutting or grinding this fresh meat into hamburger, hamburger and/or veal patties and/or sandwich steaks.
5. Assign Code 924 to a wholesale meat dealer who performs no cutting (or deboning) or processing of fresh meats, but who may repackage the fresh meats.

Underwriting Guide

Bacon (Side and/or Sliced) Mfg.
Cured Meats – Brined, Dried And Salted
Dehydration Of Meat
Ham – Boiled, Boneless, Roasted, And Smoked Mfg.
Luncheon Meats Mfg.
Pork Products Mfg. – Pickled, Cured, Salted And Smoked
Processed Meat Products Mfg.
Sausage Or Other Prepared Meat Products Mfg.
Scrapple Mfg.

Underwriting Guide

Beet Sugar Mfg.
Candy Mfg.
Cane Sugar Refining
Chewing Gum Mfg.
Chocolate Mfg.
Cocoa Mfg.
Confectionery Mfg.
Corn Starch Mfg.
Glucose Mfg.
Milling – Wet Corn
Molasses Mfg.
Popcorn Mfg.
Starch Mfg. – By Wet Corn Milling
Sugar Cane Milling
Sugar Refining
Syrup Or Molasses Refining
Wet Corn Milling

Classification Description

Includes the distribution of beer or malt liquors by the manufacturer, bottler or canner. Also includes payroll developed by employees engaged as delivery salespersons, route salespersons and/or route supervisors engaged in the delivery of the insured’s products to customers.

Operations Not Included

1. Assign Code 899 or the appropriate restaurant class (typically Code 897 or 975) to brewpubs, microbreweries, and other businesses brewing beer on the premises and serving that beer primarily by the drink to their customers for on-site consumption.

Underwriting Guide

Brewery, Including Distributing Stations
Malt Liquors Mfg. And Distribution

Classification Description

Ice cream manufacturing by a separate group of employees in a physically separate department shall be assigned to Code 110.

Includes payroll developed by employees engaged as delivery salespersons, route salespersons and/or route supervisors engaged in the delivery of the insured’s product(s) to customers.

Underwriting Guide

Butter Or Cheese Mfg.
Cheese Mfg.
Condensed Milk Mfg.
Creamery
Dairy Products Mfg. (Except Ice Cream Mfg.)
Dehydration Of Milk
Malted Milk Powder Mfg., Including Dehydration Of Milk
Milk Processor – Fluid
Milk Products Mfg., N.O.C. (Excluding Ice Cream Mfg.)
Yogurt Mfg.

Underwriting Guide

Ice Cream Mfg.
Water Ice Mfg.

Classification Description

For businesses principally engaged in receiving live animals (e.g., cattle, hogs and/or sheep), killing the animals and dressing the carcasses to produce meat products and selling the meat products on a wholesale basis. A business eligible for this classification will normally ship deboned meats in boxed form and/or may also ship meats in carcass form. Such business may also produce processed meat products like bacon, ham, sausage, luncheon meats and/or also sell some portion of the meat production as fresh meat cuts (e.g., steaks, roasts).

Operations Also Included

1. Employees engaged as delivery salespersons, route salespersons and/or route supervisors engaged in the delivery of the business’ products to customers.
2. The employer’s processing of animal by-products resulting from the employer’s animal killing operations which may include but is not necessarily limited to: cooking of fat into tallow or lard and/or washing, scraping and salting of hides.

Operations Not Included

1. Assign Code 915 to employers principally engaged in custom slaughtering/killing for private individuals (typically farmers) and/or dressing carcasses for individual hunters. See Code 915 for additional details.

Underwriting Guide

Butchering – Wholesale, Not Stockyards
Meat Packing Plant – Wholesale, Including Slaughtering
Packing House – Wholesale, Including Slaughtering
Slaughterhouse – Wholesale, Including Processing

Operations Also Included

1. Applicable to a business principally engaged in manufacturing, bottling and/or canning any carbonated beverage
2. The distribution of the carbonated beverage(s) by the manufacturer, bottler or canner.
3. Payroll developed by employees engaged as delivery salespersons, route salespersons, and/or route supervisors engaged in the delivery of the insured’s products to customers.

Operations Not Included

1. Assign Code 104 to a business principally engaged in manufacturing non-carbonated beverages not otherwise classified.
2. Assign Code 108 to a business principally engaged in brewing, bottling and/or canning beer, ale or malt liquors.

Underwriting Guide

Alcoholic Beverage Bottling – Carbonated
Beverage Mfg., Carbonated – Bottled Or Canned
Bottling Or Canning Of Carbonated Beverages
Canning Or Bottling Of Carbonated Beverages
Carbonated Beverage Mfg. – Bottled Or Canned
Mineral Water, Carbonated – Bottled Or Canned
Soft Drinks (Carbonated) Mfg. – Bottled Or Canned

Underwriting Guide

Alcoholic Beverage Distilling
Apple Cider Or Juice Mfg.
Applesauce Mfg.
Canning Or Preserving Of Food
Cat Or Dog Food Mfg. – Canned
Dehydration Of Food – Except Dehydration Of Meat Or Milk
Distilling Of Alcoholic Liquors
Dog Or Cat Food Mfg. – Canned
Eggs, Dehydrated
Eggs, Powdered
Frozen Fruit, Fruit Juice, Processing
Fruit Evaporating
Fruit Juice Mfg.
Fruit Or Vegetable Juice, Canned, Bottled Or Bulk
Fruit Preserving
Gelatin Mfg.
Jam Mfg.
Jelly Mfg.
Juice Mfg. – Fruit
Pet Food Mfg. – Canned – Non Farm Domestic
Pickle Mfg.
Pie Filling Mfg.
Preserving Or Canning Of Food
Sauerkraut Mfg.
Spirituous (Distilled) Liquor Bottling By Distiller
Syrup Mfg., For Soda Fountains
Tomato Paste Mfg.
Vegetable And Fruit Juice – Canned, Bottled Or Bulk
Vegetable Canning
Vinegar Mfg. – By Fermentation
Whiskey Mfg.
Winery

Classification Description

Applicable to businesses principally engaged in rendering inedible grease and tallow from animal fat, bones and meat scraps; and businesses principally engaged in manufacturing animal oils and animal meal.

Underwriting Guide

Animal And Marine Fat And Oil Mfg.
Animal Oil Mfg.
Animal Rendering Works, N.O.C.
Cod Liver Oil Mfg.
Fish Oil Mfg.
Grease And Tallow Mfg.
Grease Mfg., Animal
Oil Mfg., Animal

Underwriting Guide

Cigar Mfg.
Cigarette Mfg.
Snuff Mfg.
Tobacco (Chewing And Smoking) And Snuff Mfg.
Tobacco Rehandling
Tobacco Stemming And Redrying

Classification Description

Applicable to businesses principally engaged in making hamburger and/or hamburger or veal patties and/ or sandwich steaks.

Underwriting Guide

Hamburger Or Hamburger Patty Mfg.
Meat Products Mfg., N.O.C.
Sandwich Steak Mfg.
Veal Patty Mfg. – Plain Or Breaded

Underwriting Guide

Cotton Batting Mfg.
Cotton Waste Mfg.
Felt Mfg. – Unwoven
Hatters’ Fur Processing
Padding And Upholstery Filling Mfg.
Processed Waste And Recovered Fibers And Flock Mfg.
Shoddy Mfg.
Sisal Garneting
Weather Stripping Mfg. – Felt
Wool Reworking

Underwriting Guide

Artificial Silk Spinning And Weaving Of Carbonizing Of Hair Or Wool
Carpet Mfg.
Chenille Products Weaving
Combing Of Fibers
Cordage Mfg., Including Fiber Preparation
Cotton Gin Operation
Cotton Spinning And Weaving
Curled Hair Mfg. Felt Mfg. – Woven
Fiber Preparation For Spinning Or Weaving
Flax Spinning And Weaving
Fur Mfg. – Synthetic Gilling Of Fibers
Hackling Of Fibers
Hair Processing (Excluding Dehairing Or Wig Making)
Hemp Spinning And Weaving
Jute Spinning And Weaving
Label Mfg., Woven Labels
Linen Cloth Weaving
Linen Thread Mfg.
Mop Head Mfg., From Cotton Waste, No Other Operations
Moss Ginning
Narrow Fabric Mill – Cotton, Wool, Silk Or Man Made Fibers
Nylon Spinning And Weaving
Opening Of Fibers
Paper Twine Mfg.
Picking Of Fibers
Pipe Cleaner Mfg.
Plush Or Velvet Mfg.
Rayon Spinning And Weaving
Ribbon Mfg., Textile Fabrics
Rope Mfg., Including Fiber Preparation
Rug Mfg.
Scouring Of Natural Or Synthetic Fibers
Separating Of Natural Or Synthetic Fibers
Silk Spinning And Weaving
Silk Thread Or Yarn Mfg.
Silk Throwing And Weaving
Spinning Of Fibers
Textile Weaving
Thread Mill
Tire Cord And Fabric Mfg.
Twine Mfg., Including Fiber Preparation
Velvet Mfg.
Weaving Of Textile Fibers
Webbing Mfg.
Wire Cloth Weaving (Wire Drawing To Be Separately Rated By Code 406, Rolling Mill, N.O.C.)
Wool Combing Or Scouring
Wool Spinning And Weaving
Woven Carpet And Rug Mfg. Yarn Mfg. – Wool
Yarn Mill, Wool, Including Carpet And Rug Yarn Silk
Yarn Throwing, Twisting, And Winding Mill, Cotton, Man-Made Fibers And Silk

Classification Description

Applies to the knitting of yarn into cloth or fabric and the dyeing and/or finishing of the knitted fabric by the knitting mill. Subsequent manufacturing of clothing or non-apparel textile product shall be assigned to either Code 161 or to Code 163, respectively, when performed by a separate crew of employees in a physically separate work area.

Underwriting Guide

Braid And Fringe Mfg.
Glove Mfg. – Knit
Knit Glove Mfg.
Knit Goods Mfg., N.O.C.
Lace Mfg.
Necktie Mfg., Knitted

Underwriting Guide

Hosiery Dyeing
Hosiery Finishing
Hosiery Mfg.
Knitting Mill, Hosiery

Classification Description

Includes quilted cloth manufacturing for garment and household furnishing. Payroll developed in mattress or box spring manufacturing shall be classified by Code 165.

Underwriting Guide

Emblem Mfg.
Embroidery Mfg.
Pleating, Stitching Or Tucking – Dress Fabrics Or Trimmings – Not Clothing Mfg.
Quilted Cloth Manufacturing Contractor – For Garments Or Household Furnishings
Trimmings Mfg., Fancy Trimmings Or Piping, Not Manufacturing Binding, Tape Or Ribbon

Underwriting Guide

Bleaching, Fabrics
Cloth Printing
Coating New Fabrics, Except Rubberized Fabrics Or Oilcloth
Dyeing
Fabric Coating, N.O.C.
Feather Dyeing
Finisher Of Broad Woven Fabrics
Finishing New Textile Goods
Impregnated Fabrics Mfg.
Machine-Painting Shade Cloth
Mercerizing Of New Goods
Printing Of Fabrics
Textile Bleaching And Dyeing
Textile Printing
Typewriter Ribbon Mfg.
Yarn Dyeing Or Finishing

Classification Description

Also includes payroll developed by employees engaged as delivery salespersons, route salespersons and/or route supervisors performing the pick-up of items to be laundered or cleaned and the delivery of the items after laundering or cleaning.

Operations Not Included

1. Assign Code 928 to separately-staffed receiving, collecting or distributing stations with no laundering at the same or contiguous locations.

Underwriting Guide

Diaper Service – Laundry
Furniture Cleaning Or Polishing On Customers’ Premises
Industrial Launderer
Infant Wear Service Laundry
Launderer, Industrial
Laundry Collection By Launderer
Laundry, Hand
Laundry, N.O.C.
Linen Supply and Laundering Service
Towel Supply and Laundering Service
Uniform Supply and Laundering Service

Classification Description

Receiving, collecting or distributing stations that are separately staffed and with no dry cleaning at the same or contiguous location shall be assigned to Code 928.

Includes primarily risks engaged in dry cleaning or dyeing apparel and household fabrics other than rugs (see Code 141). Establishments dyeing fabrics for the trade are classified by Code 139.

Also includes payroll developed by employees engaged as delivery salespersons, route salespersons and/or route supervisors performing the pick-up of items to be laundered or cleaned and the delivery of the items after laundering or cleaning.

Underwriting Guide

Cleaning And Dyeing, Except Rug Cleaning By Dry Cleaner
Cloth Sponging (Shrinking), Inspection Or Mending – By Specialist Contractor
Drapery Dry Cleaning Plant
Dry Cleaning Plant, Except Rug Cleaning
Dyeing And Cleaning, Except Rug Cleaning By Dry Cleaner
Feather Washing, Steaming, Cleaning And Renovating
Fur Clothing – Cleaning, Tumbling, Glazing, Combing And Ironing
Laundry Collection By Dry Cleaner

Classification Description

Restricted to the manufacture of wearing apparel from woven or knit fabrics, related materials such as leather or rubber or resin coated fabrics.

The manufacture of yarn into knitted cloth or fabric shall be assigned to Code 134 when performed by a separate group of employees in a physically separate department. If there is no separation, all payrolls shall be assigned to Code 134.

Underwriting Guide

Academic Costumes Mfg. – Caps And Gowns
Apparel Mfg.
Bathing Suit Mfg. – Knitting To Be Separately Rated
Belt Mfg. – Cloth – Wearing Apparel Only – No Buckles, Webbing Or Leather Parts Mfg.
Beret Mfg.
Burial Garment Mfg.
Cap Mfg. – Graduation Caps And Gowns
Cap Mfg. – Headwear
Cloth Cutting By Contractor – Garment Fabrics
Clothing Mfg.
Coat – Front Or Interlining Mfg.
Collar Mfg.
Costume Mfg. – Masquerade Or Theatrical
Diaper Mfg. – Cloth
Dress Mfg.
Front Or Interlining Mfg. – Coat
Fur Clothing Mfg. (Preparation Of Skins To Be Separately Rated)
Fur Plate Mfg.
Fur Pointing
Garment Sewing Contractor
Glove Lining Mfg.
Glove Mfg., Except Fire Resistant, Industrial Use, Knit Or Rubber
Handkerchief Mfg.
Hat Frame Mfg., Ladies
Hat Lining Mfg.
Hat Mfg., Felt
Hat Mfg., N.O.C.
Insulated Clothing Mfg. – Thermal Type
Leather Clothing Mfg.
Lingerie Mfg.
Lining Mfg. – Hat
Linings, Sewing Into Coats By Hand
Mask Mfg. – Costume – Cloth
Millinery And Straw Hat Mfg.
Millinery Mfg., Felt
Nail head Ornamentation Attaching Nail heads Or Similar Articles To Textile Fabrics By Means Of Foot Presses
Necktie Mfg., From Fabric
Raincoat And Other Waterproof Outer Garments Mfg.
Robe And Dressing Gown Mfg.
Rubber Garment Mfg., No Rubber Mill
Sewing Contractor – Garment
Sewing, Hand
Shoulder Pad Or Coat Front Mfg.
Shoulder Strap For Lingerie Mfg. – Fabric
Shower Cap Mfg. – Plastic
Suede Clothing Mfg.
Suit, Skirt, And Coat Mfg.
Suspender Mfg. – No Buckles, Webbing Or Leather Parts Mfg.
Textile Mending, Invisible Weaving Of Wearing Apparel
Tie Mfg. – Neckwear
Uniform Mfg.
Vestment Mfg.
Women’s, Misses’, And Juniors’ Outerwear Mfg., N.O.C.
Women’s, Misses’, Children’s, And Infants’ Underwear And Nightwear Mfg.
Work Clothing Mfg.

Classification Description

Contemplates sewn non-apparel textile products including products made from soft textile type plastics such as vinyl.

The manufacture of yarn into cloth or fabric shall be separately classified as provided in this Manual.

Separately rate the installation, removal or repair of furnishing goods to Code 670.

Underwriting Guide

Accordion Door Mfg. – Fabric Or Plastic – No Woodworking
Air Conditioner Cover Mfg.
Baby Blanket, Crib Linen Mfg.
Ball Mfg. – Sporting Goods – Inflatable Plastic Beach Type
Banner Mfg.
Bedding Mfg. – Blanket, Sheet, Pillowcase
Bedspread Mfg.
Belt Mfg. – Industrial Use – From Premanufactured Textile Fabric
Bias Bindings Mfg.
Bindings Mfg. – Bias And Straight
Blanket Mfg.
Blanket, Sheet, Pillowcase – Bedding Mfg.
Buffing And Polishing Wheel Mfg. – Made From Cloth – No Metal Parts
Bunting Mfg., Shop Only
Casket Or Coffin Lining Mfg. – No Casket Mfg. Or Upholstery Work
Chenille Products Mfg. From Chenille Cloth
Coffin Or Casket Lining Mfg. – No Casket Mfg. Or Upholstery Work
Comforter Or Quilt Mfg.
Cover Mfg. – Air Conditioner
Curtain Mfg.
Door Mfg., Accordion – Plastic Or Fabric – No Woodworking
Drapery Or Curtain Mfg.
Feather Assembly – Sewn, On Wire Frames Decorated For Costumes/Band Plumes
Feather Pillow Mfg.
Flag Mfg., Shop Only
Furnishing Goods Mfg. – Not Canvas Or Burlap
Hammock Mfg.
Heating Pad Mfg. – Fabric Covering Only
House Furnishings Mfg. – From Textile Fabrics
Household Linens, Bedspreads, Towels, Drapes Mfg.
Kite Mfg.
Lamp Shade Mfg. (Excluding Frame Manufacturing)
Linen Mfg. – House Furnishings
Lining For Casket Interiors Mfg. – No Casket Mfg. Or Upholstery Work
Measuring Tape Mfg. – Cloth – Sewing Type
Mosquito Netting – No Mfg. Of Net
Napkin Mfg. – Cloth
Netting – Mosquito – No Mfg. Of Net
Pennant Mfg.
Pillow Cover Mfg.
Pillow Mfg.
Polishing Cloth Mfg.
Polishing Wheel Mfg. – Cloth Or Felt – No Metal Parts
Pool Mfg. – Swimming – Inflatable Kiddie-Type Pools
Quilt Or Comforter Mfg.
Roller Mfg. – Covered Sleeves Only
Safety Belt Mfg. – Automobile – No Hardware Mfg.
Scenery – Theatrical – Curtain And Drapery Mfg.
Shoe Ornament Mfg. – Fabric
Shoe Shining Or Polishing Cloth Mfg.
Shower Curtain Mfg. – Cloth, Plastic, Vinyl
Sleeping Bag Mfg.
Slipcover Mfg.
Stage Scenery – Theatrical – Curtain And Drapery Mfg.
Stuffed Toy Mfg. – Cloth
Table Cloth Mfg.
Table Pad Mfg. – From Cardboard And Fabric
Tape Mfg. – Mending – Fabric
Theatrical Scenery – Curtain And Drapery Mfg.
Towel Mfg., Textile Fabrics (Except For Disposable Towel Mfg.)
Toy Mfg. – Stuffed Animals Or Other Cloth Stuffed Toys
Umbrella Mfg.
Wheel Mfg. – Cloth – Buffing And Polishing – No Metal Parts
Wig Mfg. – Synthetic Materials
Window Shade Mfg. – No Roller Mfg.

Classification Description

The manufacture of wire springs shall be classified by Code 457 provided such operations are conducted by a separate crew of employees in a physically separate department.

Underwriting Guide

Mattress Mfg.

Classification Description

Includes manufacturing or repairing bags made from textile cloth or fabric.

Separately rate the installation, removal or repair of awnings, tents or other canvas products away from the shop to Code 681.

Underwriting Guide

Automobile Convertible Top Mfg. – Fabric Or Vinyl, No Installation
Automobile Seat Cover Mfg. – No Installation
Awning Mfg. – Cloth
Awning Or Tent Mfg.
Bag Mfg. – Fabric Or Bulk Materials
Bag Renovating, Textile Fabrics
Burlap Goods Mfg.
Canvas Products Mfg.
Cloth Bag Mfg.
Cloth Bag Repairing
Furnishing Goods Mfg. – Canvas Or Burlap
Knapsack Mfg.
Life Jacket Or Preserver Mfg.
Parachute Mfg. (Hardware Mfg. To Be Separately Rated)
Sail Making
Sporting Goods – Knapsack Mfg.
Tent Mfg.
Textile Bag Mfg. – Canvas Or Burlap

Underwriting Guide

Degreasing Skins
Fur Dressing Or Dyeing
Leather Dealer
Leather Dressing
Leather Finishing
Leather Tanning
Sheepskin Pickling
Tanning, Leather
Wool Pulling

Underwriting Guide

Boot And Shoe Mfg.
Counter, Heel And Sole Mfg. – Leather
Footwear Mfg. – Not Rubber
House Slippers Mfg.
Shoe Findings Mfg.
Shoe Mfg.
Shoe Repairing
Shoe Stock Mfg., No Tanning Or Leather Dressing
Slipper Mfg.

Classification Description

Includes the manufacture of handbags, purses, wallets, dog collars, leashes, straps, belts, etc. from leather, simulated leather or vinyl sheet.

Underwriting Guide

Bag Mfg., Traveling
Baseball Mfg.
Basketball Mfg.
Dog Collar Mfg.
Football Mfg.
Glove Mfg., Including Baseball, Boxing, Handball Or Punching Bag Glove (Except Rubber Gloves)
Handbag, Mfg. – From All Materials
Harness Or Saddle Mfg.
Leash Mfg.
Leather Belting Mfg.
Leather Embossing
Leather Goods Mfg., N.O.C. (See Also Gloves, Hats, Shoes)
Leather Skiving
Luggage Mfg., Excluding Trunks
Medicine Ball Mfg.
Personal Leather Goods Mfg.
Pocketbook Mfg. – From All Materials
Purse Mfg. – From All Materials
Saddle Mfg.
Strap Mfg. – From Leather, Simulated Leather Or Plastic
Volleyball Mfg.
Wallet Mfg.
Women’s Handbag Or Purse Mfg.

Underwriting Guide

Injection Molding Of Plastics
Plastic Articles Mfg., Injection Molding

Classification Description

Applicable to plastic molding businesses principally engaged in the molding of any plastic product by any plastic molding technique except for plastic molding businesses principally engaged in injection molding which is assigned to Code 221 or businesses principally engaged in molding plastic composite products which is assigned to Code 227.

Underwriting Guide

Artificial Marble Products Mfg.
Bag Mfg. – Plastic
Cable Mfg. – Insulated Electrical – Wire Drawing To Be Separately Rated
Hose Mfg. – Plastic
Marble Products Mfg. – Artificial
Molding, Plastic – Of Any Product By Any Molding Technique Other Than Injection Molding
Pipe Mfg. – Plastic
Plastic Articles Mfg., N.O.C.
Plastic Bag Mfg.
Plastic Mfg., Sheets And Rods
Plastic, Molded Products Mfg. N.O.C.
Vanity Mfg. – Resin Poured Or Cast Type/Artificial Marble Product
Wire Insulating – Includes Incidental Wire Stranding – Wire Drawing To Be Separately Rated

Underwriting Guide

Balloon Mfg. – Rubber – Advertising And Toy
Bathing Cap Mfg. – Rubber
Boot And Shoe Mfg. – Rubber
Bottle Mfg. – Rubber
Elastic Mfg.
Eraser Mfg.
Fabrics, Rubberized
Foam Rubber Mfg.
Gasket Mfg. – Rubber
Glove Mfg. – Rubber
Heel Mfg. – Rubber
Hose Mfg. – Rubber
Latex, Foamed Mfg.
Life Jacket Mfg. – Inflatable Rubberized Fabric
Life Raft Mfg. – Rubber
Printers’ Roller Mfg.
Reclaiming Rubber
Rubber Band Mfg.
Rubber Products Mfg., N.O.C.
Rubber Reclaiming
Rubber Tire Mfg.
Rubber Tire Retreading
Rubberized Fabrics Mfg.
Sheeting – Rubber Or Rubberized Fabric
Sponge Rubber And Sponge Rubber Products Mfg.
Stopper Mfg. – Rubber
Tire And Inner Tube Mfg.
Tire Recapping Or Retreading
Toy Mfg. – Rubber
Tubing – Rubber
Vulcanized Rubber Products Mfg.
Wet Suit Mfg. – Rubber
Wire Insulating – Rubber

Underwriting Guide

Artificial Leather Mfg.
Coating New Fabrics, Rubberized Or Oilcloth
Cork Carpet Mfg.
Fiberglass (A Fibrous Glass And Resin Composite) Mfg.
Leather (Imitation) Mfg.
Linoleum Mfg.
Metallizing Of Fabrics
Oilcloth Mfg.
Plastic Composite Products Molding
Resin Coated Fabric Mfg.
Rubber Coating
Silo Mfg. – Fiberglass, Shop Only
Waxing Of Cloth
Yarn, Plastic Coated – Made From Purchased Yarn

Underwriting Guide

Abrasive Paper Or Cloth Preparation
Bark Peeling, In Paper Mill
Building And Roofing Paper Mfg.
Building Paper Mfg.
Cardboard Mfg.
Emery Cloth Mfg.
Fiber (Paper) Products Mfg.
Fiber Tube Mfg.
Fiberboard Mfg.
Paper Coating And Glazing – By Paper Mill
Paper Finishing – By Paper Mill
Paper Mfg.
Paper Mill
Particle Board Mfg.
Photographic Film And Dry Plate Mfg.
Pipe Mfg., Fiber
Pulp (Paper) Mfg.
Roofing Paper Or Roofing Felt Mfg.
Sandpaper Mfg.

Classification Description

Applicable to businesses principally engaged in the manufacture of folding and/or set-up boxes. The boxes contemplated by this classification may be made from any non-corrugated paper material (e.g., paper box board or cardboard stock) which is cut, scored, creased and glued to the correct form.

Printing by a box manufacturer on its own products is construed to be incident to the box making enterprise and is not subject to separate classification. There shall be no payroll division between Code 257 and Code 281 unless the employer fulfills the multiple enterprise criteria delineated in Rule IV, Section 1 of the Manual.

Underwriting Guide

Box Mfg. – Paper – (Non-Corrugated)
Folding Cardboard Or Paperboard Box Mfg.
Paper Box Mfg.
Set- Up, Box Mfg.

Classification Description

Applicable to businesses principally engaged in the manufacture of one or more converted paper products that are not otherwise classified by either Codes 257, 261, 263 or 265. These products include but are not necessarily limited to: paper towels, products made from tissue paper, paper cups or plates, holiday or party decorations, party favors, mailing tubes, paper cans, paper bags or doilies and paper sheeting, slitting or winding.

Any printing conducted by a paper products manufacturer not otherwise classified (Code 259) on its business products is incident to such enterprise and is not subject to separate classification.

Operations Not Included

0. There shall be no payroll division between Code 259 and any printing classification unless the employer fulfills the multiple enterprise criteria delineated in Rule IV, Section 1 of the Manual.

Underwriting Guide

Air Filter Mfg. – All Types
Bag Mfg. – Paper
Bed Under pads – Disposable
Box Or Container Cardboard Partitions Mfg.
Can Mfg. – Paper
Cardboard Or Paper Mailing Tube Mfg.
Coffee Pot Filter Mfg. – Paper
Coin Wrapper Mfg.
Cup Mfg. – Paper
Diaper Mfg. – Disposable
Die Cutting – Paper, Paperboard Or Cardboard – By Specialist Contractor
Disposable Diaper Mfg.
Disposable Towel Mfg.
Drinking Straw Mfg. – Paper
Filter Mfg. – Air – All Types
Garland Mfg.
Holiday Decorations Mfg. – Paper Or Plastic
Mailing Tube Mfg.
Match Mfg. – Paper
Napkin Mfg. – Paper
Paper Bag Mfg.
Paper Cup, Dish Or Plate Mfg. Paper Hat Mfg. – All Types
Paper Or Cardboard Mailing Tube Mfg.
Paper Or Foil Goods Mfg.
Paper Products Mfg., N.O.C.
Paper Sheeting, Slitting Or Winding
Paper Towel Mfg.
Papier-Mache Goods Mfg.
Partitions (Cardboard) Mfg. – For Boxes Or Containers
Party Decorations Or Favors Mfg.
Sanitary Food Container Mfg. – Paper
Sanitary Napkin Mfg.
Tinsel Mfg.
Tissue Paper Products Mfg. – Facial Or Toilet
Towel Mfg. – Paper Or Disposable
Tubes Or Cores Mfg. – Paper
Under pads Mfg. – Bed – Disposable
Wallpaper Mfg. – (Paper Mfg. To Be Separately Rated)

Classification Description

Applicable to businesses principally engaged in the corrugating of paper and/or the manufacture of products from corrugated material (e.g., corrugated containers). The employer receives paper that may have been corrugated by an unrelated source or the employer receives paper which is corrugated as part of the employer’s manufacturing process. Corrugation involves paper being slowly passed over a steam or gas heated metal drum, and then revolved around a roll covered with silicate of soda which is deposited on the tips of the corrugation. The paper is then moved along until it reaches the paper liner (either a single or double facing), and then the corrugated paper and liner(s) travel under pressure where they are combined and dried.

Also applicable to the manufacture of fiberboard and/or fiberboard products along with the fabrication of honeycomb products used for padding in shipping containers and a filler for hollow core flush doors.

Printing operations on the above products by the manufacturer thereof are construed to be incident to the enterprise and not subject to separate classification. There shall be no payroll division between Code 261 and Code 281 unless the employer fulfills the multiple enterprise criteria delineated in Rule IV, Section 1 of the Manual.

Underwriting Guide

Box Mfg. – Corrugated
Corrugated Paper and/or Corrugated Products Mfg.
Fiberboard Products Mfg.
Honeycomb Products Mfg.

Classification Description

Applicable to businesses principally engaged in operations involving various kinds of coatings which are mixed in mixers or agitators and run into troughs of coating machines. Rolls of paper, plastic film or other materials (except rubber or textile fabric) are coated as they pass over the rolls revolving through this mixture. The paper, plastic film or other materials are dried on rolls or stacks, some may be polished or embossed, finished by calendaring, slit to desired widths and rewound or sheeted to size, then labeled and packed. Some products may be printed with advertising material before the coating or on the reverse side, after this operation.

In the manufacture of oiled, paraffined or waxed paper the waxes or oils are heated and mixed, and paper is run through a waxing machine and over a drying roll. The now waxed paper is then cut, slit, rewound on spools or sheeted or die-cut, wrapped and packed.

Laminated paper, plastic film or other materials are produced by feeding a paste or glue between layers of paper, plastic film or other materials, pressing the layers together, drying and finishing by winding into rolls or sheeting to size, or else cutting, slitting or die-cutting to size and shape, wrapping and tying into bundles.

Printing operations on the above products by the manufacturer thereof are construed to be incident to the enterprise and not subject to separate classification. There shall be no payroll division between Code 263 and Code 281 unless the employer fulfills the multiple enterprise criteria delineated in Rule IV, Section 1 of the Manual.

Underwriting Guide

Carbon Paper Mfg.
Coating and/or Glazing Of Paper Or Plastic – By Specialist Contractor
Die Cutting – Paper, Paperboard Or Cardboard – By
Laminating – Paper – By Contractor
Paper Finishing – By Specialist Contractor
Paper Laminating – By Contractor
Pressure-Sensitive Labels Or Paper Mfg.
Waxed Paper Mfg. – Coating Paper With Wax – No Paper Mfg.

Classification Description

Applicable to businesses principally engaged in the manufacture of stationery and loose-leaf ledgers or notebooks. Cardboard, binders’ cloth, leather or imitation leather, canvas, paper, glue, paste, gold leaf, printing and ruling ink, metal rings, posts, screws, separators or fittings are received from unrelated concerns. Cardboard is cut to size and covered with leather, imitation leather or cloth by gluing, pasting and some sewing. Covers are reinforced by stripping and may be embossed in ink or gold leaf and the appropriate fittings are attached to complete the binder. Fillers for the binders are manufactured from paper which is cut to size on either manual or power cutters.

Also applicable but not limited to the production of writing tablets or pads, files, desk pads, index cards or envelopes.

Paper ruling, screen printing or other printing operations on the above products by the manufacturer thereof are construed to be incident to such enterprise and not subject to separate classification. There shall be no payroll division between Code 265 and Code 281 unless the employer fulfills the multiple enterprise criteria delineated in Rule IV, Section 1 of the Manual.

Operations Not Included

0. The manufacture of metal rings, posts, screws, separators or fittings shall be assigned to the appropriatemetal working class.

Underwriting Guide

Binder Mfg., Ringed
Computer Paper Mfg. (No Paper Mfg.)
Desk Calendar Mfg.
Envelope Mfg.
File Folder Mfg.
File Jacket Mfg.
Index Card Mfg.
Loose-Leaf Binder Or Ledger Mfg.
Notebook Mfg. (No Paper Mfg.) – All Types
Notepad Mfg.
Ringed Binder Mfg.
Stationery Products Mfg.

Classification Description

Applicable to printing businesses principally engaged in the reproduction of printed products or providing one or more printing industry services pursuant to a Code 281 Underwriting Guide entry or printed products that are not specifically classified by an Underwriting Guide entry. Also includes the bindery department that finishes the employer’s print production. Finishing may include but is not necessarily limited to: collating, cutting to size including die cutting, scoring and perforating, rounding corners, tab cutting, folding, drilling or punching holes, stapling, sewing, wire stitching, gluing – perfect binding, laminating, foil stamping or embossing.

Operations Also Included

1. The screen printing of any product including finished apparel articles
2. Web-press production of printed product either specifically assigned to Code 281 or not specifically classified by an Underwriting Guide entry (e.g., books, business forms, direct mail advertising)
3. Service contractors to the printing industry (e.g., printers’ finishers)
4. Specialist contractors decorating china or glassware by means of purchased or customer-provided decals, the cutting or engraving of glassware, engraving per se or making printing plates
6. The manufacture of rubber stamps

Operations Not Included

1. Assign Code 136 to embroidery operations performed by an embroidery business or a separate staff in a physically separate work area.
2. Assign Code 265 to a manufacturer of stationery products including but not necessarily limited to loose-leaf or ringed binders, envelopes, notebooks or file folders.
3. Assign Code 282 to a newspaper or periodical publisher who also prints the newspaper or periodical or to a contract printer principally engaged in printing any product(s) denoted in a Code 282 Underwriting Guide entry by means of a web press (es).
4. Assign Code 285 to printing businesses principally engaged in providing customer copy reproduction by means of sheet-fed offset printing presses that utilize paper sheet sizes greater than 17 x 22 inches or that have four or more color towers, regardless of the paper sheets’ size, or any Halm envelope printing unit, or another sheet-fed unit/printing technique (e.g., letterpress) on paper sheets of any size.
5. Assign Code 932 to printing businesses providing customer copy reproduction by means of small offset presses, also known as duplicators, on paper sheet sizes 17 x 22 inches or less or electro-static (photo) copiers on paper of any size.
6. Assign Code 948 to a business that performs printing and direct mailing, provided that more than 50 percent of the print production is used as direct mail.
7. Code 281 and another printing class (Codes 257, 259, 261, 263, 265 or 948) will not be assigned to any printing business unless that business fulfills the multiple enterprise criteria specified in Rule IV, Paragraph C. 3. a. 2.
8. Code 281 may not be assigned when printing operations are a General Inclusion into the business’ governing classification.

Underwriting Guide

Book Printing By Web Press – By Publisher Or Contractor
Bookbinding Or Rebinding – By Specialist Contractor
Bottle Cap Printing
Business Forms Printing – By Web Press
Chemical Etching – By Specialist Contractor
China Decorating – By Specialist Contractor With No China Mfg.
Cigar Band, Printing
Coin Wrapper, Printing – By Specialist Contractor
Dress Pattern Printing
Electrotyping – By Specialist Contractor
Engraving – By Specialist Contractor
Etching (By Chemical Method) By Specialist Contractor
Glass Products Decorating Or Engraving By Specialist Contractor
Greeting Card Printing By Publisher Or Contractor
Label (Pressure-Sensitive) Printing By Web Press – By Specialist Contractor
Paper Dress Pattern Printing
Pattern (Dress) Printing – Paper
Photoengraving – By Specialist Contractor
Plastic Sign Letters Mfg. – Shop – Sign Installation to be Separately Rated
Playing Cards Mfg.
Pressure-Sensitive Label Printing By Web Press – By Specialist Contractor
Printers’ Finisher – By Specialist Contractor
Printing – Books Or Greeting Cards – By Publisher Or Contractor
Printing Plate Mfg. – By Specialist Contractor
Printing, N.O.C.
Rubber Stamp Mfg.
Screen Printing (Including Finished Textile Articles) – By Specialist Contractor
Stereotyping – By Specialist Contractor
Tag Printing
Vinyl Sign Letters Mfg. – Electronically Scored – Sign Installation to be Separately Rated

Classification Description

Applicable to businesses principally engaged as a newspaper(s) publisher or the publisher of another type of publication(s)/intellectual property assigned to Code 282 by Underwriting Guide entry who also prints the newspaper(s) or other publication(s)/intellectual property. Also applicable to printing businesses principally engaged in printing newspapers or another publication(s)/intellectual property specifically assigned to Code 282 by an Underwriting Guide entry for unrelated customers. The newspaper(s) or other type(s) of publication(s)/intellectual property will be printed by means of a web press (es) regardless of whether the publisher or a contract printer performs the printing.

Operations Also Included

1. A newspaper’s pages may be cut, collated and folded by the web press. Inserts may be placed into the newspaper by inserting machine or by hand. The newspapers may be tied into bundles and delivered either by the publisher and/or contract printer.
2. A periodical may be finished by performing one or more of the tasks listed below: collating, cutting to size including die cutting, scoring and perforating, rounding corners, tab cutting, folding and gluing – perfect binding. The periodical publisher and/or contract printer may further mail the periodical to subscribers.

Operations Not Included

1. Code 282 and another printing class will not be assigned to any publishing and/or printing business unless that business fulfills the multiple enterprise criteria specified in Rule IV, Paragraph C. 3. a. 2.

Underwriting Guide

Catalogue Printing By Publisher Or Contract Printer
Comic Book Printing By Publisher Or Contractor
Magazine Printing By Publisher Or Contractor
Newspaper Inserts (e.g., Advertising, Sunday Comics, Sunday Magazines) Printing By Publisher Or Contractor
Newspaper Printing By Publisher Or Contractor
Periodical Printing By Publisher Or Contractor
Statistical Report Printing By Publisher Or Contractor
Telephone Book Printing By Publisher Or Contractor
Trade Journal Printing By Publisher Or Contractor

Classification Description

Applicable to printing businesses principally engaged in providing customer copy reproduction by means of sheet-fed offset printing presses that utilize paper sheet sizes greater than 17 x 22 inches or that have four or more color towers regardless of the paper sheets’ size or any Halm envelope printing unit or another sheet-fed press printing technique (e.g., letterpress) on paper sheets of any size. Also includes the bindery department that finishes the employer’s print production. Finishing may include but is not necessarily limited to: collating, cutting to size including die cutting, scoring and perforating, rounding corners, tab cutting, folding, drilling or punching holes, stapling, sewing, wire stitching, gluing – perfect binding, laminating, foil stamping or embossing.

Operations Also Included

1. Assign Code 281 to printing businesses principally engaged in providing customer copy reproduction of printed products or providing printing industry services pursuant to a Code 281 Underwriting Guide entry or that are not specifically classified by an Underwriting Guide entry.
2. Assign Code 932 to printing businesses principally engaged in providing customer copy reproduction by means of small offset presses, also known as duplicators, on paper sheets sized 17 x 22 inches or less or electrostatic copiers on paper of any size.
3. Code 285 and another printing class will not be assigned to any printing business unless that business fulfills the multiple enterprise criteria specified in Rule IV, Paragraph C. 3. a. 2.

Underwriting Guide

Printing – Principally Sheet-Fed Press Production (Of Any Printed Product)

Classification Description

Includes the grading, sorting, pulling, piling, air or kiln drying, loading and storage of sawmill products.

Operations Not Included

1. Subsequent wood products manufacturing operations conducted by a separate crew of employees in a physically separate department shall be separately classified as provided in this Manual.

Underwriting Guide

Barking Mill
Kiln Drying Of Lumber – By Sawmill
Sawmill
Snow Fence Mfg., Cutting Lath From Logs.
Wood Chips Mfg.

Classification Description

Includes but is not necessarily limited to the manufacture of sash, doors, assembled millwork, pallets or wood trusses.

Separately rate erection work as provided in this Manual.

Operations Not Included

1. Assign Code 301 to sawmill operations.
2. Assign Code 306 to a business principally engaged in making wood-turned products.
3. Assign Code 309 to a business principally engaged in making woodenware products not otherwise classified as defined in this Manual.
4. Assign Code 855 to the operation of a physically separate and separately-staffed lumber and/or building materials dealer on the premises of a Carpentry Shop that fulfills the multiple enterprise criteria discussed in Rule IV, C. 3. a. 2., Section 1 of this Manual.
5. Assign Code 935 to the operation of a physically separate and separately-staffed retail store on the premises of a lumber and/or building materials dealer and Carpentry Shop that also fulfills the multiple enterprise criteria discussed in Rule IV, C. 3. a. 2., Section 1 of this Manual.

Underwriting Guide

Assembled Millwork Mfg.
Bark Peeling In Veneer Mill
Barrel Repair – Wood – By Specialist Contractor
Barrel Stock Mfg., No Sawmill Work
Basket Mfg. – Veneer
Box Shook Mfg.
Building Mfg., Portable – Wood
Carpentry Shop
Contract Packaging – Crating – In Shop
Crate Mfg. – Wood
Door Frame Or Sash Mfg. – Wood
Door Mfg. – Wood
Fence Mfg. – Wood, Shop Only
Flooring Mfg. – Wood
Furniture Stock Mfg. – Non-Turned – By Specialist Contractor
Hardwood Dimension And Flooring Mill, No Sawmill Operation
Keg Mfg. – Wood
Ladder Mfg. – Wood
Laminated Wood Building Beam And Column Mfg.
Last Block Mfg.
Millwork Plant
Modular Home Mfg.
Packaging, Contract – Crating – In Shop
Packing Case Mfg.
Pallet Mfg.
Panel Mfg. – Soft Wood Or Plywood
Planing Mill
Plywood Container Mfg.
Plywood Mfg., Including Veneer Mfg.
Porch Enclosure Mfg.
Prefabricated Building Mfg. – Wood, Shop Work
Railing Or Stair Mfg. – Wood
Sash Mfg. – Wood
Sash, Door Or Assembled Millwork Mfg.
Screen Mfg., Window – Wood
Shingle Mfg. – Wood, Including In Shop Staining
Shingle Staining, In Shop, No Off-Premises Work
Shook Mfg.
Shuttle Mfg.
Silo Mfg. – Wood, Shop Only
Staircase Or Stair Mfg. – Wood
Stave Mfg. – Wood
Structural Members, Laminated Wood – Arches, Trusses, Timbers
Tank Building – Wood, Shop Only
Trellis Mfg. – Wood
Truss Mfg. – Wood
Veneer Container Mfg.
Veneer Mfg.
Wire bound Box And Crate Mfg.
Wooden Barrel Mfg.
Wooden Box Mfg., Except Cigar Boxes

Underwriting Guide

Axe Handle Mfg.
Dowel Mfg. – Wood
Furniture Turned Stock Mfg. – By Specialist Contractor
Gunstock Mfg., Finished Or Unfinished Shapes
Handle Mfg. – Wood
Lath Mfg. – Wood
Peg Or Skewer Mfg. – Wood
Pencil Stock Mfg. – Wood
Pulley Block Mfg. – Wood
Shade Roller Mfg. – Wood
Spool Mfg. – Wood
Umbrella Handle Mfg. – Wood
Veneer Products Mfg., N.O.C. – No Veneer Mfg.
Window Shade Roller Mfg. – Wood
Wood Tack Strip Mfg.
Wood Turned Products Mfg.
Wooden Frames Or Seats Mfg. – For Furniture

Underwriting Guide

Bird House Or Feeder Mfg. – Wood
Bowling Pin Mfg. – Wood
Brush Mfg.
Cane Mfg.
Coat Hanger Mfg. – Wood
Cork Products Mfg.
Crutches Mfg. – Wood
Golf Club Heads Or Shafts Mfg. – Wood
Gunstock Mfg., Finished
Hat Block Mfg. – Wood
Lead Pencil Mfg.
Mop Mfg.
Pencil, Penholder Or Crayon Pencil Mfg. – Wood
Pipe Mfg., Tobacco – Wooden
Sign or Sign Letter Mfg. – Wood, Shop – Sign Installation to be Separately Rated
Ski Mfg. – Wood
Spice, Cutlery Or Wine Racks Mfg. – Wood
Toothpick Mfg.
Veneer Products Mfg., N.O.C. – No Veneer Mfg.
Wooden Tobacco Pipe Mfg.
Woodenware Mfg., N.O.C.

Classification Description

Applicable to a business principally engaged in the manufacture of cabinets, cabinet parts or other similar wood products in which power-driven machinery is used. Many of the products contemplated by this classification are made to buyers’ or customers’ specifications and require installation.

Operations Also Included

1. Finishing of cabinets, cabinet parts or similar wood products by their manufacturer. The term finishing means shellacking, staining, painting, lacquering or varnishing or covering with formica, porcelain or similar materials.

Operations Not Included

1. Separately rate installation work by either Code 646 or Code 648 as provided in the Underwriting Guide.
2. Assign Code 327 to upholstering operations conducted by a separate employee crew in a physically separate department.

Underwriting Guide

Architectural Woodwork Mfg.
Bookcase Mfg. – Wood
Bulletin Board Mfg.
Cabinet Works – Wood – With Power-Driven Machinery
Counter Top Mfg. – Wood
Display Case Mfg. – Wood
Exhibit Booth Mfg.
Kiosk Mfg.
Kitchen Cabinet Mfg. – Wood
Library Cabinet Mfg. – Wood
Parquet Flooring Mfg. – Hardwood
Partition Mfg. – Wood
Picture Frame Mfg. – Wood
Refrigerated Showcase Mfg. – Wood
Restaurant Booth Mfg. – Wood
Room Divider Mfg.
Showcase Mfg. – Wood
Store Counter Mfg. – Wood
Toy Mfg. – Wood
Vanities Mfg. – Wood (Architectural or Bathroom)
Walk-In Refrigerator Mfg.

Classification Description

Applicable to businesses principally engaged in the assembly of wood, metal or plastic furniture or cabinet-type products from parts manufactured by unrelated businesses. Included are all types of home or office furniture such as tables, chairs, dressers, chests of drawers, bed frames or desks or cabinet-type products. The assembly work is normally accomplished by means of nails, screws, brackets, glue, dowel pins and clamps. Also includes the finishing of the assembled products by painting, staining, varnishing, lacquering, shellacking or covering surfaces with formica-type materials.

The repair or reconditioning of wood, metal or plastic furniture or cabinet-type products which does not require the manufacture or fabrication of parts (or whereby the fabrication is not performed by the risk but parts are purchased from other unrelated risks) shall also be assigned to this classification. The type of operations found here would involve only tightening loose parts, regluing parts or replacing broken parts, stripping off the old finish and applying a new finish.

Operations Not Included

0. Upholstering of new or used, repaired or reconditioned furniture conducted by a separate crew in a physically separate area shall be assigned to Code 327.

Underwriting Guide

Broom Mfg. – Assembling Only – No Woodworking
Coffin Assembly – No Wood Or Metal Working
Furniture Assembly – From Prefabricated Parts Or Pieces Only – No Woodworking
Furniture Stripping – Incidental To Assembling Or Refinishing Operations Only
Furniture Stripping, No Woodworking – By Specialist Contractor
Lamp (Floor Or Table) Assembly Only – No Metal Or Wood Fabricating
Wreath Assembly – Artificial – Plastic And Fabrics

Classification Description

Applicable to employers principally engaged in the manufacturing of individual completed wood furniture pieces or sets including but not necessarily limited to: bedroom, living room or dining room pieces or sets, office furniture, billiard tables, console-type audio or television cabinets, pianos or piano cases, juvenile or nursery furniture, lawn or garden furniture, frames for upholstered furniture, occasional tables, chairs, desks or wardrobes.

This classification contemplates both the fabrication of the various parts on woodworking machines and the subsequent assembly of the components into completed furniture. Also included is the finishing by staining, painting, varnishing, lacquering or polishing. In addition, hardware such as hinges, pulls, locks or casters may be attached.

Also applies to the repair of furniture when it is necessary to machine new parts as replacements for damaged or broken parts.

Operations Not Included

1. Assign Code 327 to a separate employee crew in a physically separate work area performing upholstering.
2. The manufacture of furniture parts which are not assembled into completed furniture or completed chair or furniture frames by the same employer is assignable to Code 305 for non-turned furniture parts or to Code 306 for all turned furniture stock.

Underwriting Guide

Billiard Table Mfg.
Cedar Chest Mfg.
Chair Or Chair Frame Mfg. – Wood
Coffin Mfg. – Wood
Fiber Furniture Mfg.
Furniture Assembling – Wood, By A Furniture Manufacturer, Including Woodworking
Furniture Frame Mfg. – Wood
Furniture Mfg. – Wood
Headboard Mfg. – Wood (Upholstery Work If Conducted By A Sep. Crew In A Sep. Dept. Shall Be Separately Rated)
Musical Instrument Mfg. – Wood
Organ Building – Including Installation
Piano Or Player Piano Mfg.
Rattan Or Fiber Furniture Mfg.
Tank, Seat Or Cabinet Mfg. – Toilet – Wood
Trunk Mfg. – Wood
Venetian Blind Mfg. – Wood
Willow Ware Mfg.
Wood Household Or Office Furniture Mfg.
Wooden Coffin Mfg.
Wooden Musical Instruments Mfg.

Classification Description

An upholstering shop’s operations shall include but are not necessarily limited to: fabric cutting and sewing, spring- up, trimming and the final assembly of the upholstered materials onto the manufactured frame.

Operations Not Included

1. Furniture frame manufacturing or assembly shall be classified as provide for in this Manual.
2. Upholstering operations conducted at customers’ locations is assignable to Code 670.

Underwriting Guide

Automobile Seat Cover Installation and/or Seat Upholstering
Automobile Top Installation, Fabric Or Vinyl
Coffin Or Casket Upholstery Work
Furniture Upholstering
Reupholstering
Upholstering Car Seats
Upholstering Shop Only, No Furniture Assembling

Classification Description

Also includes employers principally engaged in melting nonferrous scrap metal to produce ingots.

Not available for businesses principally engaged in the handling of any ferrous scrap metals. Such businesses must be assigned to Code 858.

Galvanizing by methods other than the hot-dipping procedure shall be assigned to the classification best describing the process.

Underwriting Guide

Aluminum Ingots And Primary Production Shapes From Bauxite/Alumina
Copper Smelting And Refining, Primary
Galvanizing Works – Hot Dip
Lead Mfg., Red Or White
Lead Sheet, Pipe And Shot Mfg.
Lead Smelting
Lead Smelting And Refining, Primary
Melting Of Nonferrous Scrap Metals
Precious Metal Refining, Primary
Primary Smelting And Refining Of Nonferrous Metals, N.O.C.
Red Lead Mfg.
Retinning Of Metal Not Done In Rolling Mill
Rust Proofing (Hot Dipping) Of Metals Secondary Smelting, Refining, And Alloying Of Nonferrous Metal And Alloys
Smelting Of Nonferrous Metals, N.O.C.
Tin Smelting And Refining
White Lead Mfg.
Zinc Smelting And Refining, Primary

Classification Description

Also includes making nonferrous pipe or tubes or forging nonferrous metals.

Subsequent product(s) manufacturing operations conducted by a separate crew(s) of employees, in a physically separate department(s), shall be separately classified as provided for in this Manual.

Underwriting Guide

Aluminum Extruded Products Mfg.
Atomizing Molten Nonferrous Metal
Can Mfg., Seamless
Cold Rolling Or Drawing, Nonferrous Metals
Copper Pipe Or Tube Mfg. By Extruding And Drawing
Drawing – Nonferrous Metals
Extruded Products Mfg. – Nonferrous Metals
Forging – Nonferrous Metals Only
Metal Can Mfg., Seamless
Miniature Tube Mfg. – From Nonferrous Metals
Nonferrous Metals Cold Rolling, Drawing, Extruding, Or Forging
Pipe Mfg. – Brass, Copper Or Aluminum
Platinum Group Metals – Rolling, Drawing and/or Extruding
Powder Mfg. – Atomizing Molten Nonferrous Metal
Tin Foil Mfg.
Tube Mfg. – Nonferrous
Wire Drawing – Nonferrous Metals
Wire Mfg. – Nonferrous

Underwriting Guide

Stainless Steel Mfg.
Steel Mfg.

Underwriting Guide

Cold Rolling Or Drawing – Ferrous Metals
Cold-Rolled Sheet Mfg. – By Specialist Contractor
Corrugating Iron And Steel – Cold-Rolled – By Specialist Contractor
Doubling Process, Sheet Rolling – By Specialist Contractor
Ferrous Metals Cold Rolling Or Drawing
Plate Steel Mfg. – By Specialist Contractor
Rolling Mill – Ferrous Metals – By Specialist Contractor
Sheet Rolling, Cold Rolling – By Specialist Contractor
Steel Wire Drawing
Wire Drawing – Ferrous
Wire Mfg.

Underwriting Guide

Miniature Tube Mfg. – From Ferrous Metals
Pipe Or Tube Mfg. – Iron Or Steel
Skelp Rolling
Steel Pipe And Tube Mfg.
Tube Mfg. – Iron Or Steel

Operations Also Included

1. Separately rate installation, service or repair to the applicable construction classification(s) as warranted.

Underwriting Guide

Bridge Shop
Radio And Television Tower, Fabrication
Steel Fabrication
Steel Fabrication, Bridge And Structural Shops
Steel Works, Structural
Tower, Transmission, Fabrication

Operations Also Included

1. Separately rate installation, service or repair to the applicable construction classification(s) as warranted.

Underwriting Guide

Aluminum Railings Mfg.
Architectural Or Ornamental Iron Work Mfg.
Balcony Mfg.
Banister Mfg. – Metal
Fence Or Fence Post Mfg. – Ornamental Iron Or Steel
Fire Escape Mfg.
Flagpole Mfg. – Metal
Flooring Mfg. – Open Steel Grating
Furniture Mfg. – Wrought Iron
Gate Mfg. – Ornamental Metal
Grandstand Or Bleacher Mfg. – Metal
Grating Mfg. – Open Steel Flooring
Iron Shutter Mfg.
Iron, Ornamental, Fabrication Shop
Lamp Post Mfg. – Metal
Metal Arches Mfg., For Buildings
Metal Lath Mfg.
Ornamental Brass Goods Mfg.
Ornamental Or Architectural Metal Work Mfg.
Partition Mfg. – Ornamental Iron
Pipe Bending – Fabrication Shop
Power Pipe Fabrication
Racing Sulky Mfg.
Railing Mfg.
Stair Railing Mfg. – Metal
Steel Curtain Wall Mfg.
Sulky Mfg., Racing

Classification Description

Plate shall be #3 U.S. Standard Gauge (1/4″ thick) or thicker.

Underwriting Guide

Autoclave Mfg., Industrial
Boiler Mfg., Shop Only
Buoy Mfg. – Metal
Casing Mfg., Boiler Metal Plate
Condenser Mfg., Steam
Culvert Mfg. – Metal Plate
Cylinder Mfg. – Pressure Metal Plate
Dumpster Or Refuse Container Mfg. – From Metal Plate
Gas Tank Mfg. – Metal Plate
Industrial Boiler Mfg.
Liquid Oxygen Tank Mfg. – Metal Plate
Military Tank Hull Mfg.
Oil Storage Tank Mfg. – Metal Plate
Plate Work, Fabricated
Pressure Vessel Mfg. – Industrial Metal Plate
Refuse Container Or Dumpster Mfg. – From Metal Plate
Still Mfg. – Pressure Metal Plate
Tank Mfg. – Pressurized Or Non-Pressurized, Including For Tank Trucks – From Metal Plate
Truss Plate Mfg. – Metal
Vacuum Tank Mfg. – Metal Plate
Vat Mfg. – Metal Plate

Underwriting Guide

Car Mfg., Rebuilding Or Repair, Railroad – All Kinds
Freight Car Mfg.
Industrial Locomotive And Parts Mfg.
Locomotive And Parts Mfg.
Mine Car Mfg.
Railroad Car Mfg.
Railway Maintenance Car Mfg.
Refrigerator Car Mfg.
Switching Locomotive And Parts Mfg.
Tank Freight Car Mfg.
Tender Mfg., Locomotive

Classification Description

The secondary machining of castings by a separate staff in a physically separate work area shall be assigned to Code 461.

Underwriting Guide

Casting Foundry, Steel
Electric Steel Foundry
Foundry, Steel
Steel Alloy Castings Mfg.
Steel Foundry

Classification Description

The secondary machining of castings by a separate staff in a physically separate work area shall be assigned to Code 461.

Underwriting Guide

Cast Iron Pipe Mfg.
Casting Foundry, Ductile Or Grey Iron
Ductile Iron Foundry
Enameled Cast Iron Ware Mfg.
Foundry, Iron, N.O.C.
Grey Iron Foundry
Heater Or Radiator Mfg. – Cast Iron
Hydrant Mfg. Water – Cast Iron
Iron Foundry, N.O.C. (See Also Classes 427 And 445)
Manhole Cover Mfg. – Cast Iron
Pipe Mfg. – Cast Iron, N.O.C.
Radiator Or Heater Mfg. – Cast Iron
Stove Mfg. – Cast Iron

Classification Description

The secondary machining of castings by a separate staff in a physically separate work area shall be assigned to Code 461.

Underwriting Guide

Casting Foundry, Malleable Iron
Die Castings Mfg. – Aluminum, Brass, Bronze, Copper Or Zinc
Zinc Die Castings Mfg.

Classification Description

Also includes secondary machining of die castings by the die casting employer. There is no payroll division with Code 461.

Underwriting Guide

Aluminum Die Castings Mfg.
Die Castings Mfg. – Aluminum, Brass, Bronze, Copper Or Zinc
Zinc Die Castings Mfg.

Classification Description

Includes die making, trimming or grinding and heat treating operations. The secondary machining of forgings by a separate staff in a physically separate work area shall be assigned to Code 461.

Underwriting Guide

Anvil Mfg. – Forged
Forging, N.O.C.
Gun Forging, Iron And Steel
Horseshoe Mfg.
Iron Forging
Press Forging
Projectile Or Shell Casing Mfg.: Forging – Separately Rate Loading Or Testing With Explosives
Upset Forging

Classification Description

Applicable to businesses principally engaged in the manufacture of tools by use of forging techniques or methodology. Steel or alloy metals in various bar and rod forms will be cut to length and then heated in furnaces. The heated metal stock is then forged with drop hammers, reheated and forged to final shape or form with the appropriate dies or patterns. The forgings are then cooled, trimmed or ground as needed and tempered by heat treating. Includes secondary machining of the forged tools by the forge business. There is no payroll division with Code 461.

Examples of products within the scope of this classification are: axes, agricultural and gardening tools, sledge hammers, logging tools, construction tools and oil well tools.

Operations Also Included

0. Specialist businesses principally engaged in the heat treating of metal for unrelated customers.

Underwriting Guide

Agricultural Tools Mfg.
Axe Mfg.
Construction Tools Mfg.
File (Tool) Mfg. – Forged
Gardening Tools Mfg.
Heat-Treating Of Metal – By Specialist Contractor
Logging Tools Mfg.
Oil Well Tools Mfg.
Sledgehammer Mfg.
Tool Mfg. – Forged

Classification Description

Also includes Chain Mfg.

Underwriting Guide

Automobile Bumper Mfg.
Automobile Spring Mfg.
Chain Mfg.
Coiled Flat Spring Mfg.
Leaf Spring Mfg.
Railroad Car Or Locomotive Spring Mfg.
Spring Mfg. – Hot Wound
Steel Spring Mfg. – Except Wire (Cold Wound) Springs
Torsion Bar Spring Mfg.

Classification Description

Applies to a business principally engaged in machining tool steel or tungsten carbide into tools used for cutting or machining operations on machine shop equipment (e.g., lathes, mills). Also applies to a business principally engaged in making jigs or fixtures used to hold or position work on machine shop equipment. Further applies to a business principally engaged in machining tool steel or tungsten carbide into molds for plastics or powdered metal molding or nonferrous metal casting or dies for wire drawing, metal stamping, plastic or nonferrous metal extrusion. The business’ machining operations may include but are not necessarily limited to turning, milling, grinding or tapping. The tools, dies or molds may be assembled together, polished, buffed, tested and inspected.

A business principally engaged in the operations discussed above is typically a job shop. A job shop is defined for this classification as a business principally engaged in machining one or more of the above listed products for unrelated businesses and that has either no proprietary product(s) or the business’ proprietary product(s) generates less than 50 percent of the business’ revenue.

Operations Also Included

1. Employers principally engaged in the manufacture of one or more of the following products: wood or metal patterns, models, aircraft propellers-wood, architectural scale models, last forms-wood or wood carving by hand or machine.

Operations Not Included

1. Cemented carbide tips for cutting tools or any other products made from powdered metal that are pressed to shape, machined and sintered shall be assigned to Code 506.
2. Molds or patterns produced by foundry (the melting and casting of the molten metal) process shall be assigned to the appropriate foundry class.
3. Dies produced by chemical etching or engraving shall be assigned to Code 281.
4. The manufacture of forged tools shall be assigned to Code 433.
5. Products made by molding plastic shall be assigned to the appropriate plastic molding classification.
6. Metal stamping or sheet metal products fabrication shall be classified as provided in this Manual.
7. Assign Code 445 to the manufacture of non-forged and non-powered hand tools, such as screwdrivers, pliers, hammers or chisels and/or non-forged bench tools.
8. Assign Code 445 to saw blade (all types) or industrial knife manufacture.
9. Machined Parts Mfg. – N.O.C. shall be defined as machining single-piece parts for unrelated businesses and where more than 50 percent of the single-piece machined parts made by the employer are not assigned to any other manufacturing classification. Businesses so principally engaged shall be assigned to Code 446.
10. Assign the applicable manufacturing classification when the employer is principally engaged in assembling single-piece machined parts into end-product components. Assembly operations include but are not limited to: welding, fastening, inserting, pressing and the joining of springs, ball bearings, gears or other parts or components to any other part or component.
11. An employer principally engaged in machining single-piece parts specifically assigned to any manufacturing classification shall be assigned to that specified manufacturing classification.
12. Specialist contractors electroplating parts manufactured by an unrelated business (es) shall be assigned to Code 449.
13. Code 441 is not applicable to any business that has a separate department making tools, dies, molds or any of the other products assigned to Code 441 principally for use by that business in making any product(s) assigned to another manufacturing classification by this Manual.

Underwriting Guide

Aircraft Propeller Mfg. – Wood
Architectural Scale Model Mfg. – By Specialist Contractor
Cutlery Mfg. (Non-Forged) For Household Or Butcher Shop/Restaurant Use
Die Mfg.
Fixture Or Jig Mfg.
Gauge Mfg. – Ring, Plug Or Snap
Jig Or Fixture Mfg.
Label Mfg. – Metal
Last Form Mfg. – Wooden
Machine Tools And Accessories Mfg.
Machine Tools Mfg. – Metal – Cutting Or Forming Types
Model Or Pattern Mfg. – Wood Or Metal, Shop Only, Excluding Castings
Mold Mfg., Excluding Castings
Pattern Or Model Mfg. – Wood Or Metal, Shop Only, Excluding Castings
Punch Mfg., For Marking Metal
Sewing Machine Attachment Mfg. (e.g., Hemmers, Binders)
Shoe Form Mfg. – Wood
Steel Rule Die Mfg.
Tool Mfg., N.O.C.
Tool Sharpening, Industrial Tools
Welding Or Cutting Torch Tip Mfg.
Wood Carving – By Hand Or Machine

Classification Description

Applies to a business principally engaged in the manufacture of hardware. The term encompasses a variety of products manufactured by different production techniques including but not necessarily limited to: machining (including screw machining), stamping, and foundry. Please see the Underwriting Guide entries below for a representative listing of hardware products and the in-shop specialist contractors (e.g., coating of parts, polishing and buffing and spray painting) assigned to this classification.

Operations Also Included

1. The secondary machining of hardware castings by the foundry employer.
2. A business principally engaged in machining or assembling non-forged or non-powered hand or bench tools such as screwdrivers, pliers, hammers, chisels or wrenches.
3. A business principally engaged in the manufacture of any type of saw blade or applying carbide tips or diamond cutting segments onto saw blades.
4. A business principally engaged in manufacturing any type of industrial knife.

Operations Not Included

1. Assign Code 433 to a business principally engaged in forging hand tools.
2. Assign Code 473 to a business principally engaged in making portable powered hand tools.

Underwriting Guide

Acetylene Torch Mfg.
Arms Mfg., Excluding Ammunition Mfg.
Automatic Screw Machine Products Mfg.
Automatic Sprinkler Mfg.
Bolt Mfg.
Bottle Cap Or Crown Mfg.
Brush Manufacture – Using Tinplate Not Wood
Builders Hardware Mfg.
Bushing Mfg.
Carburetor Mfg.
Cartridge Mfg., No Handling Of Explosives
Coating Of Parts – By Contractor
Collapsible Curtain Rod Mfg. – Metal Tube Mfg.
Electric Fixtures Mfg.
Fastener Mfg., N.O.C.
File, Tool (Non-Forged) Mfg.
Flashlight Mfg., Or Assembling
Franklin Stove Assembly
Gas And Electric Fixtures Mfg.
Gun, Handgun Mfg.
Hand Tool Mfg. – Non-Forged (Excluding Axes, Agricultural Tools, Sledgehammers Or Wheelbarrows)
Handgun Mfg.
Hardware Mfg., N.O.C. Including Foundry
Hydraulic Stabilizer Mfg., For Trains
Industrial Knife Mfg. – All Types
Investment Casting
Lamp Or Portable Lantern Mfg.
Lighting Fixtures Mfg.
Meat Chopper Mfg.
Nail Mfg., Not Wire
Nut Or Bolt Mfg.
Painting Or Powder Coating Metal Parts – Shop – By Specialist Contractor
Pistol Mfg.
Playground Equipment Mfg.
Plumbers’ Fittings Mfg.
Plumbers’ Supplies Mfg., N.O.C.
Polishing And Buffing, Shop Only – Specialist Contractor
Portable Lamp Or Lantern Mfg.
Powder Coating Of Parts (Electrostatic Spray Application) – By Contractor
Rifle Mfg.
Sadiron Mfg.
Saw Blade Mfg. – All Types
Scale And Balance Mfg.
Screw Machine Products
Screw Mfg.
Shotgun Mfg.
Skate Mfg.
Small Arms Mfg.
Spike Mfg.
Spray Painting – In Shop Only
Sprinkler Mfg., Automatic
Stabilizer Mfg., Hydraulic For Trains
Tube Mfg. – Metal, Collapsible
Valve And Pipe Fitting Mfg., Except Cast Plumbers’ Brass Goods
Valve Mfg.
Welding Torch Mfg.

Classification Description

Applies to a business principally engaged in Machined Parts Mfg., N.O.C. Such term will be defined as applying to a business machining single-piece parts for others. A business principally engaged in Machined Parts Mfg., N.O.C. is typically a job shop. A job shop is defined for this classification as a business principally engaged in machining single-piece parts for unrelated businesses and that has either no proprietary product(s) or the machining of the business’ proprietary product(s) is less than 50 percent of the business’ overall machining.

Operations Not Included

1. An employer whose business operations are described by another classification in this Manual shall be assigned to that classification.
2. An employer principally engaged in machining single-piece parts specifically assigned to any othermanufacturing classification shall be assigned to that specified manufacturing classification.
3. Assign the applicable manufacturing classification when the employer is principally engaged inassembling single- piece machined parts into end-products components. Assembly operations include but are not limited to: welding, fastening, inserting, pressing and the joining of springs, ball bearings, gears or other parts or components to any other part or component.
4. As specified in this Manual, assign the applicable casting, forging, stamping, forming or fabrication classification to an employer so principally engaged.

Underwriting Guide

Additive Mfg./3D Printing
Aircraft Propeller Mfg. – Metal
Machined Parts Mfg., N.O.C.

Classification Description

Also includes secondary machining of nonferrous castings by the foundry employer. There is no payroll division with Code 461.

Underwriting Guide

Aluminum Castings Mfg.
Aluminum Ware Mfg., Cast
Brass Castings Mfg.
Bronze Castings Mfg.
Bushing Or Bearing Mfg. – Nonferrous Metal – Cast
Casting Mfg. – Nonferrous Metals
Centrifugal Castings Mfg. – Nonferrous Metals
Copper Castings Mfg.
Foundry – Nonferrous, N.O.C.
Hardware Mfg. – Nonferrous – By Foundry Method
Investment Castings Mfg. – Nonferrous Metals
Nonferrous Metals Foundry
Plumbing Fixture Fittings And Trim (Brass Goods) Mfg. – Cast
Spin Casting Foundry – Nonferrous Metals
Type Foundry
Zinc Castings Mfg.

Underwriting Guide

Anodizing Metals
Chromium Plating
Detinning Electroplating
Gold Plating
Metal Anodizing
Plating Of Metal Articles
Silver Plating
Tin Plating

Classification Description

Also includes an employer principally engaged in fabricating an automobile, truck or trailer body and then attaching the fabricated body onto a customer supplied or purchased chassis.

This class is not available for payroll division with Code 463. Code 463 shall be assigned to an employer engaged in both the making of the automobile, truck, or trailer body and chassis and then assembling the complete motor vehicle.

Underwriting Guide

Ambulance Body Mfg. – Including Attaching Manufactured Body To A Customer Supplied Or Purchased Chassis
Bus Body Mfg. – Including Attaching Manufactured Body To A Customer Supplied Or Purchased Chassis
Chassis Mfg.
Fire Truck Body Mfg. – Including Attaching Manufactured Body To A Customer Supplied Or Purchased Chassis
Hearse Body Mfg.
Mobile Home Mfg. – Non Self-Propelled
Trailer Mfg.
Truck Body Mfg. – Including Attaching Manufactured Body To A Customer Supplied Or Purchased Chassis
Truck Cab Mfg. – Including Attaching Manufactured Body To A Customer Supplied Or Purchased Chassis
Vehicle Chassis or Frame Mfg.

Classification Description

Sheet metal shall be thinner than #3 U.S. Standard Gauge (less than 1/4″ thick).

Code 676 shall be assigned to both the shop and the erection or installation payroll developed by an insured engaged in both the shop fabrication of sheet metal products and the erection or installation thereof.

Underwriting Guide

Agate Or Enamel Ware Mfg.
Aluminum Ware Mfg. – From Sheet Aluminum
Automobile Parts Mfg., Miscellaneous Stamped Parts
Automobile Radiator Mfg.
Automobile Wheel Mfg.
Barrel Or Drum Mfg. – Metal
Barrel Or Drum Reconditioning Or Repairing – Metal
Bin Mfg. – Sheet Metal
Brass Products Mfg., N.O.C. – From Sheet Stock
Building Mfg., Portable – Metal, No Erection
Can Mfg., Seamed
Casing Mfg. – Sheet Metal
Chimney Flashing Mfg., No Installation Work
Cooking Utensil Mfg. – Steel Or Aluminum
Copper Products Mfg. – From Sheet Stock
Coppersmithing – Shop Only
Duct Fabrication – No Installation Work
Enamel Ware Mfg.
Flue Mfg., Stove Or Furnace – By Specialist Contractor
Hood Mfg., Range
Hotel Kitchen Equipment Mfg.
Household Cooking Utensil Mfg.
Machine Guard Mfg. – Sheet Metal
Metal Can Mfg., Seamed
Metal Shipping Barrels, Drums, Kegs Or Pails – Used, Dealer
Metal Spinning’s Mfg.
Metal Stampings Mfg.
Metal, Sheet Goods Mfg., N.O.C.
Perforated Metal Mfg.
Radiator Mfg., Auto
Restaurant Kitchen Equipment Mfg.
Sheet Metal Products Fabrication, N.O.C., Shop Only
Sign Mfg. – Metal , Shop – Installation to be Separately Rated
Silo Building – Metal, Shop Only
Steel Barrel Or Drum Mfg.
Steel Drum Or Barrel Dealer, Secondhand
Ventilator Mfg. – Sheet Metal
Wheelbarrow Mfg. – Metal
Window Or Window Sash Mfg. – Metal Or Vinyl

Classification Description

Sheet metal shall be thinner than #3 U.S. Standard Gauge (less than 1/4″ thick).

Also includes the manufacture of major household or commercial kitchen or laundry appliances.

Upholstering operations conducted by a separate crew of employees in a physically separate department shall be assigned to Code 327.

Underwriting Guide

Air Conditioner Mfg. Home Window Unit
Air Conditioner Or Air Conditioner Equipment Mfg. – Home Window Unit Or Central Air, Commercial Or Industrial
Aircraft Subassemblies Mfg. – Metal, By Contractor (e.g., Cowlings, Wings, Tabs Or Ailerons)
Aluminum Awning Mfg.
Aluminum Venetian Blind Mfg.
Appliance Mfg., Major Household Or For Commercial Establishments, Kitchen Or Laundry
Awning Mfg. – Metal, No Erection
Bedstead Mfg. – Metal
Bookcase Mfg. – Metal
Brass Bed Mfg.
Cabinet Mfg. – Sheet Metal
Chair Mfg. – Metal
Clothes Dryer Mfg., Commercial Or Household
Coffin Mfg. – Metal
Door Mfg. – Metal
File Cabinet Mfg.
Fireproof Equipment Mfg. – Metal
Freezer Mfg., Commercial Or Household
Furniture Mfg. – Metal
Garment Rack Mfg. – Metal
Golf Club Mfg. – Metal
Ice Cream Cabinet Mfg.
Incubator Mfg. – Metal
Jalousie Or Jalousie Screen Mfg. – Metal Or Glass
Ladder Mfg. – Metal
Locker Mfg. – Metal
Metal Furniture Mfg.
Office Furniture Mfg. – Metal
Oven Mfg. – Metal Industrial Drying Ovens
Panel Or Partition Mfg. – Sheet Metal
Radiator Cabinet Or Shield Mfg. – Metal
Refrigerator Mfg., Commercial Or Household
Sheet Metal Aircraft Parts Mfg.
Shelving Mfg. – Metal
Showcase Mfg. – Metal
Ski Mfg. – Metal
Soda Fountain Mfg.
Stove Mfg. – Sheet Metal, Commercial Or Household
Tennis Racquet Mfg. – Metal
Trash Compactor Mfg.
Venetian Blind Mfg. – Aluminum
Ventilation Equipment Mfg.
Washing Machine Mfg., Commercial Or Household

Classification Description

Includes the manufacture of wire springs by cold winding technologies. The making of springs from bar stock by hot wound methodologies must be assigned to Code 435.

Underwriting Guide

Artificial Christmas Tree Mfg.
Bed Spring Mfg. – Wire
Brush Mfg. – Wire
Cable Mfg. – Not Insulated Electrical Cable
Coat Hanger Mfg. – Metal
Cold Wound Wire Spring Mfg.
Fence Mfg. – Wire
Lamp Shade Frame Mfg.
Nail Mfg. – Wire
Pocketbook Frame Mfg.
Rope Mfg. – Wire
Shopping Cart Mfg.
Snow Fence Mfg.,
Spring Mfg., Cold Wound
Welding Rod Mfg.
Wire Brush Mfg.
Wire Fence Mfg.
Wire Goods Mfg.
Wire Rope Or Cable Mfg.

Underwriting Guide

Clock Mfg.
Costume Jewelry Mfg.
Diamond Cutter, Polisher, Setter
Gold Leaf Mfg.
Jewel Setting And Mounting
Jewelry Mfg.
Jewelry Polishing
Lapidary
Musical Instrument Mfg. – Metal
Pendant Jewelry Mfg.
Precious Stone Cutting, Polishing Or Setting
Silverware And Plated Ware Mfg.
Watch Mfg.
Watch, Clock, And Parts Mfg.

Underwriting Guide

Artificial Limb (Prosthesis) Mfg.
Ball Point Pen Mfg.
Button Mfg. – Metal
Electronic Terminal And Connector Mfg. – By Machining Or Stamping
Eyelet Mfg.
Implant Mfg. – Medical (e.g., hips, knees)
Mechanical Pencil Mfg.
Medical Implant Mfg. (e.g., hips, knees)
Miniature Valve And Fitting Mfg.
Needle, Pin, Hook Or Eye Mfg.
Pen Or Pen Point Mfg.
Pin Or Needle Mfg.
Razor Blade Mfg. – Safety
Rivet Mfg.
Swiss Screw Machine Shop
Tack Mfg.
Valve Mfg. – Miniature
Zipper Mfg.

Classification Description

Also includes the manufacture of all types of internal combustion engines, all types of pumps, pneumatic drills or hammers or hydraulic devices (e.g., hydraulic jacks or lifts).

Operations Not Included

1. Assign the applicable wood products classification to a business principally engaged in such manufacturing.
2. Assign Code 415 to a business principally engaged in the manufacture of boilers and/or other fabricated plate products as defined in this Manual’s Code 415 class description
3. Separately rate the installation, service or repair of pumps or other products whose manufacture is contemplated by Code 461 to Code 675 or to an alternate construction classification, if applicable.

Underwriting Guide

Aircraft Engine Or Engine Part Mfg. Or Repair, Shop Only
Automobile Engine Or Engine Part Mfg.
Automobile Jack Mfg.
Automobile Parts Mfg. – Produced By Machining – N.O.C.
Automotive Machine Shops – No Work On Cars – e.g., Cylinder Reboring, Valve Grinding Or Turning Down Brake Drums
Engine Or Engine Part Mfg., Internal Combustion
Fuel Pump Mfg., Automobile
Gear Mfg. Or Grinding
Hydraulic Device Mfg. – Jacks, Auto Lifts
Internal Combustion Engine Mfg.
Jackhammer Mfg.
Machine Shop, N.O.C.
Machined Automobile Parts Mfg., N.O.C.
Measuring Or Dispensing Pump Mfg.
Outboard Motor Or Motor Part Mfg.
Piston, Piston Pin Or Piston Ring Mfg.
Pneumatic Tool Mfg.
Printing Machinery Mfg.
Printing Trade Machinery And Equipment Mfg.
Projectile Or Shell Casing Mfg.: Secondary Machining – Separately Rate Loading Or Testing With Explosives
Pump Mfg.
Safe Mfg.
Shaft Mfg. – All Types
Stoker Mfg.
Supercharger Mfg.

Classification Description

Code 463 shall be assigned to an employer engaged in both the making of the automobile, truck, or trailer body and chassis and then assembling the complete motor vehicle.

This class is not available for payroll division with Code 451. Code 451 shall be assigned to an employer principally engaged in fabricating an automobile, truck, or trailer body and then attaching the fabricated body onto a customer supplied or purchased chassis.

Underwriting Guide

Automobile Mfg.
Automobile Truck Mfg.
Bicycle Mfg.
Forklift Truck Mfg.
Industrial Truck Mfg.
Motorcycle Mfg.
Tractor Mfg.
Truck Mfg.

Classification Description

Includes but is not necessarily limited to the manufacture of confection, food processing, paper making, printing, textile or woodworking machinery.

Operations Not Included

1. Assign Code 415 to a business principally engaged in the manufacture of boilers and/or other fabricated plate products as defined in this Manual’s Code 415 class description.
2. Separately rate the installation, service or repair of industrial machinery to Code 675.

Underwriting Guide

Confectioners’ Machinery Mfg.
Food Product Machinery Mfg.
Machinery Mfg. – Industrial, N.O.C.
Machinery Reconditioning (Excluding Conveyors) – Shop Operations Only
Packaging Machinery Mfg. – Including Automatic Filling
Paper Industry Machinery Mfg.
Printing Trade Machinery Or Equipment Mfg.
Textile Machinery Mfg.
Type Machinery (Not Bottling)
Typesetting Machinery Mfg.
Woodworking Machinery Mfg.

Classification Description

Elevator, escalator, conveyor or hoisting system erection, installation or repair is to be separately rated as Code 675.

Underwriting Guide

Conveyor Mfg. – Or Reconditioning
Elevator Or Elevator Door Mfg.
Escalator Mfg.
Hoisting Systems Mfg.
Overhead Crane Mfg.

Classification Description

Applicable to businesses principally engaged in the fabrication of either metal ball or roller bearings. W here a business is engaged in the fabrication of either metal ball or roller bearings and these are consumed by the business’ production process, such operations shall be classified in accordance with the class appropriate to the business.

Underwriting Guide

Ball Bearing Mfg.
Roller Bearing Mfg.

Classification Description

Applies to businesses principally engaged in assembling any of the products discussed below for others on a contract basis.

Includes the manufacture/assembly of printed circuit boards, the placement of components onto printed circuit boards (mounting/stuffing) or the installation of resultant boards into a chassis with the addition of wire leads.

Operations Also Included

1. The assembly of electrical wire harnesses, automotive wire harnesses or connector cable assemblies.

Operations Not Included

1. Assign Code 472 to electronic component manufacturing.
2. Assign Code 473 to electrical cord assembly.
3. The manufacture of wire or cable shall be separately classified as provided for in this Manual.

Underwriting Guide

Assembly Cable Connector
Assembly Electrical Wire Harness
Assembly Printed Circuit Board Mfg. – By Specialist Contractor
Automotive Wire Harness
Printed Circuit Board Stuffing By Contractor
Stuffing Printed Circuit Boards, Adding Wiring And Chassis By Contractor Per Customer Design

Classification Description

Applies to the manufacture of electronic component parts used to receive, store, govern or direct the flow of current within an electrical circuit, such as resistors, capacitors, coils, transformers (less than 746 watts), filters or transducers.

Operations Also Included

1. Semiconductor material refining
2. Integrated circuit manufacture
3. Quartz crystal culturing
4. Glass to metal seal manufacture

Operations Not Included

0. The manufacture of non-electronic parts (e.g., pushbuttons, springs, gaskets or plastic parts). The inclusion of such non-electronic parts in the electronic device shall not be construed as an electronic component as defined by this classification

Underwriting Guide

Ceramic Capacitor Mfg. – Less Than 1 H.P.
Coils – Less Than 1 H.P.
Diode Mfg.
Integrated Circuit Mfg.
Light Emitting Diode Mfg.
Liquid Crystal Display Mfg.
Oscillator Mfg.
Quartz Crystal Culturing
Resistor Mfg. – Less Than 1 H.P.
Semiconductor Refining – Silicon Wafers
Silicon Chip Mfg.
Transducer Mfg.
Transformer Mfg. – Less Than 1 H.P. Used In Electronic Devices
Transistor Mfg.

Classification Description

Applies but is not limited to the manufacture or shop repair of electrical housewares, hand-held power tools, electrical fixtures or small electrical appliances.

Underwriting Guide

Automobile Horn Mfg., Electric
Automotive Alternator Or Generator Mfg. Or Repair
Automotive Lighting, Ignition Or Starting Apparatus Mfg.
Ballast Mfg. – Fluorescent Lights
Battery Charging Equipment Mfg.
Battery Mfg., Dry
Blender Mfg. – Household
Blinker light Mfg.
Carpet Shampooer Mfg.
Centrifuge Mfg., Laboratory
Christmas Tree Light Cord Sets Mfg.
Dimmer Switch Mfg.
Electric Blanket Mfg.
Electric Cord Assembly, Cable Mfg. To Be Separately Rated
Electric Fan Mfg.
Electric Heating Element Mfg.
Electric Housewares And Fan Mfg.
Electric Switches Mfg. – Household And Crossbar
Electric Wire Assembly – Cord
Electrical Apparatus Mfg.
Electrical Equipment For Internal Combustion Engines Mfg.
Electro-Physical Therapy Equipment Mfg.
Fire Alarm Siren Mfg.
Floor Cleaning/Waxing Machine Mfg.
Fuse Mfg. – Electrical
Hair Dryer Mfg. – Hand-Held
Hand Tool Mfg. – Electric – Portable
Heating Pad Mfg.
Humidifier Mfg.
Mercury Switch Mfg.
Razor Mfg. Or Repair – Electric
Switch Mfg. – Household
Trains, Electric – Toy Or Model Mfg.
Vacuum Cleaner – Service Or Repair
Vacuum Cleaner Mfg.
X-Ray Equipment Mfg.

Classification Description

Contemplates the manufacture of equipment for the generation, storage or transmission of electrical energy. Includes the manufacture of power transformers (over 1 horsepower), switch-gear or switchboard apparatus, and generators.

Underwriting Guide

Bus-bar Mfg.
Circuit Breaker Mfg.
Electric Power Equipment Mfg. For Utilities
Generator Mfg., Electric
Switchgear Or Switchboard Apparatus Mfg.
Transformer Mfg. (1 H.P. Or More)

Underwriting Guide

Automobile Battery Mfg.
Battery Mfg., Storage
Storage Battery Mfg.

Classification Description

Industrial control systems measure and control the power distribution or process variables such as flow, level, liquid concentration, motion and rotation. Shop wiring is the principal task where controls, switches and instrumentation are wired into a cabinet (which may have been manufactured by the business or purchased), or a complete control station which can be computer-based, allowing the operator to read display and change the operating system.

Operations Not Included

1. Assign Code 488 to businesses principally engaged in the manufacture of meters, counters, thermometers or other electronic analytic/measuring instrumentation not otherwise classified.
2. Separately rate installation or repair provided at customer locations as provided for in this Manual.

Underwriting Guide

Environmental Control Systems Mfg./Assembly
Motor Controller Assembly
Power Controller Assembly
Process and Batch Control Systems Assembly
Process Control Systems Mfg./Assembly
Traffic Control Systems Assembly

Classification Description

Applies to firms principally engaged in the manufacture, shop repair or rewinding of electric motors, armatures or field coils.

Underwriting Guide

Armature Mfg.
Electric Motor Mfg. Or Repair – Shop Only

Operations Not Included

0. Assign Code 952 to a separate crew performing service and repair at customer locations.

Underwriting Guide

Adding Machine Mfg.
Calculator Mfg.
Cash Register Mfg.
Cigar And Cigarette Lighter Mfg.
Computer Mfg.
Computer Peripheral Mfg.
Electronic Organ And Synthesizer Mfg.
Facsimile Equipment Mfg.
Laser Printer Cartridge Mfg. Or Remanufacture
Modem Mfg.
Office Machine Mfg.
Organ, Electronic – Mfg.
Sewing Machine – Service Or Repair
Sewing Machine Mfg.
Slot Machine Mfg.
Vending Machine Mfg.
Voting Machine Mfg.

Classification Description

Includes but is not limited to the manufacture of:

(1) Telephone equipment or apparatus

(2) Radio or TV broadcasting or communications equipment

(3) Search, detection, navigation, guidance, aeronautical or nautical systems

Underwriting Guide

Aircraft Radio Or Transmitting Equipment Mfg.
Amplifier Mfg.
Antenna Mfg.
Depth Sounding Equipment Mfg.
Hearing Aid Mfg.
Infrared Homing Systems Mfg.
Intercommunications Equipment Mfg.
Microphone Mfg.
Microwave Communication Equipment Mfg.
Missile Guidance Equipment Mfg.
Multiplexer Mfg.
Navigational Instruments Mfg.
Radar Devices Mfg.
Radio Or Television Transmitting, Signaling Or Detection Equipment Or Apparatus Mfg.
Receivers – Radio Communication Mfg.
Recording Devices Mfg.
Sonar Equipment Mfg.
Speaker Mfg.
Stereo Equipment Mfg.
Tape Recorder Mfg.
Telemetering Equipment Mfg.
Telephone Equipment Or Apparatus Mfg.
Transponder Mfg.
Video Cassette Recorder Mfg.

Underwriting Guide

Cathode Ray Picture Tube Mfg.
Electric Light Bulb Mfg.
Electron Tube Mfg.
Incandescent Light Bulb Mfg.
Medical Diagnostic Lamp Mfg.
Megetron Device Mfg. (Specialty Electron)
Neon Sign Mfg. – Shop – Installation to be Separately Rated
Photoflash Cube Mfg.
Radio & Television Tube Mfg.
Television Tube Mfg.
Transmitting, Industrial And Special Purpose Electron Tube Mfg.
Vacuum Tube Mfg.
X-Ray Tube Mfg.

Classification Description

Applies but is not limited to the manufacturing of surgical or dental instruments, optical instruments, optical lens grinding, fiber optics or other precision metal instruments such as drafting equipment, compasses, T-squares or triangles.

Underwriting Guide

Audio Compact Disc Duplicating
Binocular Mfg.
Coating Optical Products – Vacuum Deposition Method
Dental Drill Or Dental Tools Mfg.
Drafting Equipment Mfg.
Micrometer Mfg.
Optical Instrument Or Lens Mfg.
Surgical Instrument Mfg.
Surveying Equipment Mfg.
Telescope Mfg.

Classification Description

Includes the manufacture of electric test equipment, totalizing fluid meters or counters, electronic test or measuring instrumentation.

Also contemplated by this class is the manufacture of medical diagnostic equipment such as CAT scanners or MRIs.

Underwriting Guide

Aircraft Instrument Mfg. (Not Radio Or Radar)
Altimeter Mfg.
Automatic Temperature Control Mfg.
Blood & Gas Analyzer Mfg.
CAT Scanner Mfg.
Defibrillator Mfg.
Electric Measuring Instrument Or Test Equipment Mfg.
Electrocardiograph Equipment Mfg.
Fetal Monitor Mfg.
Flow Controller Mfg.
Flowmeter Mfg.
Gas Detection Monitor Mfg.
Gas Meter Mfg.
Heart Scan Systems Mfg.
Magnetic Resonance Imaging (MRI) Mfg.
Medical Equipment Mfg., Electronic – Diagnostic Or Treatment
Pyrometer Mfg.
Respirator Equipment Mfg.
Semiconductor Test Equipment Mfg.
Speedometer Mfg.
Steam Pressure Gauge Mfg.
Tachometer Mfg.
Taximeter Mfg.
Thermocouple Mfg.
Thermometer Mfg.
Thermostat Mfg.
Ultrasound Imager Mfg.
Valve Actuator Mfg.
Vital Signs Monitoring Equipment Mfg.
Volt Meter Mfg.
Wafer (Semiconductor) Dicing Machine Mfg.
Wafer Cleaning Equipment
Water Meter Mfg.
Wet Wafer Processing Equipment

Underwriting Guide

Artificial Teeth Mfg.
Dental Laboratory
Hearing Aid Ear Mold Mfg.

Underwriting Guide

Calcium Carbide Mfg.
Cement Mfg., Including Quarrying
Cement Quarry Operated By Manufacturer
Lime Burning Or Processing – By Specialist Contractor
Plaster Mill
Quarry, Cement – Operated By Manufacturer

Underwriting Guide

Acrylic Embedment’s Mfg.
Map Mfg. Relief, Made Of Plaster
Plaster Form Mfg.
Plaster Statuary Mfg.

Underwriting Guide

Powder Metal Products Mfg.

Underwriting Guide

Carbon Products Mfg.
Graphite Products Mfg.

Underwriting Guide

Asbestos Cement Products Mfg.
Asbestos Goods Mfg.
Asbestos Paper Mfg.
Asbestos Spinning Or Weaving
Blanket Mfg., Insulating For Aircraft – Asbestos
Brake Lining Mfg. – Asbestos
Cloth Mfg. – Asbestos
Fire Resistant Glove Mfg.
Glove Mfg. – Fire Resistant
Paper Mfg. – Asbestos
Tape Mfg. – Asbestos
Textile Mfg. – Asbestos
Vinyl Asbestos Floor Tile Mfg.

Underwriting Guide

Bathtub Mfg. – Concrete
Cast Stone Mfg. – Concrete
Cement Block Mfg.
Cinder Block Mfg.
Concrete Block Mfg.
Concrete Burial Vault Mfg.
Concrete Products Mfg.
Drain Tile Mfg. – Concrete
Pipe Mfg. – Concrete
Plaster Block Mfg.
Precast Concrete Products Mfg. – Shop
Septic Tank Mfg. – Concrete
Silo Building – Concrete, Shop Only
Step Mfg. – Prefabricated Concrete

Classification Description

Excluding quarrying or mining, also excluding clay or shale digging in open pits.

A supplementary dust disease loading shall be added by the Bureau to cover the potential hazard of those employers using material containing free silica.

Code 0175 at either the carrier or assigned risk rate is to apply to such exposure, but note that payroll developed by the exposure is also to be included in the Class 512 payroll at either the carrier or assigned risk rate. Premium developed under Code 0175 is not subject to experience or retrospective rating.

Underwriting Guide

Brick Mfg.
Pipe Mfg. – Terra-Cotta
Refractory Products Mfg.
Structural Clay Products Mfg.
Terra- Cotta Mfg.
Tile Mfg., Roofing, Structural Or Terra-Cotta

Classification Description

A supplementary dust disease loading shall be added by the Bureau to cover the potential hazard of those employers using material containing free silica.

Code 0176 at the carrier or assigned risk rate is to apply to such exposure, but note that payroll developed by the exposure is also to be included in the Code 513 payroll at the carrier or assigned risk rate. Premium developed under Code 0176 is not subject to experience or retrospective rating.

Underwriting Guide

Abrasive Shape Mfg.
Abrasive Wheel Mfg.
Ceramic Mfg.
China Decorating – By A China Manufacturer
China Tableware Mfg.
Earthenware Mfg.
Foundry Sand Cores Mfg. – By Contractor
Grinding Wheel Mfg.
Grindstone Mfg., No Quarrying
Mineral Wool Mfg. – Including Spinning And Weaving
Porcelain Electrical Product Mfg.
Porcelain Mfg.
Pottery Mfg., Glazed
Pottery Mfg., N.O.C. – No Brick, Tile, Sewer Pipe Or Gas Retorts
Rock Wool Mfg. – Including Spinning And Weaving
Sand Mold Mfg. – By Independent Contractor
Tile Mfg., Decorative
Vitreous China Plumbing Fixture Mfg.
Vitreous China Table And Kitchen Articles Mfg.
Vitreous Tile Mfg.

Classification Description

The manufacture of glass products from purchased glass shall be assigned to Code 536.

Underwriting Guide

Cut Glass Mfg.
Fibrous Glass Mfg.
Flat Glass Mfg.
Glass Container Mfg.
Glass Mfg., Stained
Glassware Mfg.
Plate Glass Mfg.
Polished Glass Mfg.
Pressed Or Blown Glass Mfg.
Rolled Glass Mfg.
Sheet Glass Or Sheet Window Glass Mfg.
Sodium Silicate Mfg.
Stained Glass Mfg.
Window Glass Mfg.
Wire Glass Mfg.

Underwriting Guide

Glass Merchant – Bending, Beveling, Grinding Or Silvering Plate Glass By Separate Shop Crew
Glass Ornament Mfg. – From Purchased Glass
Laboratory Glassware Mfg. – From Purchased Glass
Laminated Glass Products Mfg. – From Purchased Glass
Mirror Mfg. – From Purchased Glass
Stained Glass Products Including Window Mfg. – From Purchased Stained Glass
Tiffany Lamp Shade Mfg. – From Purchased Stained Glass

Classification Description

For establishments engaged in manufacturing miscellaneous chemical preparations not otherwise classified.

Underwriting Guide

Acid Mfg.
Agricultural Chemical Mfg.
Agricultural Pesticide Mfg.
Alkali Mfg.
Alum Mfg.
Aniline Dye Mfg.
Bicarbonate Of Soda Mfg.
Charcoal Mfg.
Chemical Processing Or Products Mfg., N.O.C.
Copper Recovery, Not Smelting
Cotton Seed Oil Mfg.
Creosote Mfg. – From Tar
Distillation, Wood
Dye Mfg.
E-Liquid/Vaping Liquid Mfg.
Fungicide Mfg.
Herbicide Mfg.
Insecticide Mfg.
Iron Recovery By Chemical Means
Magnesium Metal Mfg. – Electrolysis Of Fused Magnesium Chloride Process
Magnesium Metal Mfg. – Ferro-Silicon Process
Magnesium Metal Mfg., N.O.C.
Oil Mfg., Vegetable
Pest Strip Mfg.
Pesticide Mfg.
Pyroxylin Mfg., Not For Use In Explosive Mfg.
Salt Refining
Silica Gel Mfg.
Soda Bicarbonate Mfg.
Sulfate Mfg.
Sulfuric Acid Mfg.
Tanning Extract Mfg.
Tar Refining
Vegetable Oil Mfg. All Types
Vitriol Mfg.
Wood Alcohol Mfg. – Natural
Wood Distillation
Zinc, Recovery Of – By Chemical Means

Underwriting Guide

Acetylene Gas Mfg.
Ammonia Mfg.
Anhydrous Ammonia Mfg.
Carbon Dioxide Mfg.
Carbonic Acid Gas Mfg.
Gas Mfg.
Hydrogen Mfg.
Ice Mfg., Dry Ice
Industrial Gas Mfg.
Oxygen or Hydrogen Mfg.

Underwriting Guide

Biological Product Mfg.
Cough Drop Mfg.
Drug Mfg.
Medicine Mfg.
Pharmaceutical Preparation Mfg.
Serum Mfg.
Transdermal Nitroglycerine Patch Mfg.

Underwriting Guide

Adhesives Mfg.
Color Mfg., No Red Or White Lead Mfg.
Dope (Plastic Model Paint) Mfg.
Dry Toner Mfg.
Enamel Paint Mfg.
Ink Mfg., Printing
Inorganic Pigment Mfg.
Lacquer Mfg.
Metal Polish Mfg.
Mineral Color Mfg.
Mucilage Mfg.
Paint Brush Cleaner Mfg.
Paint Mfg., No Red Or White Lead Mfg.
Paint Remover Mfg.
Paint, Varnish, Lacquer Or Enamel Mfg.
Pigment Color Mfg.
Polish Or Leather Dressing Mfg.
Primer, Paint, Mfg.
Printing Ink Mfg.
Putty, Caulking Compound, And Allied Product Mfg.
Roofing Compound Mfg., No Refining
Shellac Mfg.
Shoe Polish Mfg.
Stains – Varnish, Oil And Wax, Mfg.
Toner (Dry) Mfg.
Varnish Mfg.
Water Paint Mfg.
Whiting Mfg.
Wood Filler And Sealer Mfg.
Wood Stain Mfg.

Underwriting Guide

Beeswax Mfg.
Candle Mfg.
Cleaning. Polishing Or Sanitation Preparations Mfg.
Cosmetic, Perfume Or Other Toilet Preparations Mfg.
Crayon Mfg.
Degreasing Solvent Mfg.
Detergent Mfg.
Disinfectant (Household And Industrial) Mfg.
Dry Cleaning Preparation Mfg.
Furniture Polish And Wax Mfg.
Household Bleach, Dry Or Liquid Mfg.
Log Mfg. – Synthetic (wax and sawdust combination)
Perfume, Cosmetic Or Other Toilet Preparations Mfg.
Perfumery Extract Mfg.
Polishing, Cleaning Or Sanitation Preparations Mfg.
Saddle Soap Mfg.
Scouring Compound Mfg.
Sealing Wax Mfg.
Shampoo Mfg.
Soap Or Other Detergent Mfg.
Synthetic Log Mfg. (wax and sawdust combination)
Washing Compound Mfg.
Wax Or Wax Products Mfg.
Wax Remover Mfg.

Operations Not Included

0. Separately rate fertilizer application or lime spreading onto soil to Code 007.

Underwriting Guide

Aromatic Chemical Mfg. In Petroleum Refinery
Benzene Mfg. In Petroleum Refinery
Blending Lubricants
Catalyst Mfg., Oil-Based
Gasoline Blending Plant
Grease Mixing Or Blending, Not Animal Or Vegetable
Kerosene Mfg.
Lubricant, Blending
Lubricating Oil And Grease Mfg., Excluding Animal And Vegetable Products
Naphtha Mfg. In Petroleum Refinery
Nylon Mfg.
Oil Blending – Not Animal Or Vegetable
Oil Re-Refining, Used Motor Oil
Oil Refining, Petroleum
Petroleum Refining
Plastic Material, Synthetic Resin, Or Nonvulcanizable Elastomer Mfg.
Rayon Mfg.
Sulfonated Oil And Assistant Mfg.
Synthetic Rubber Intermediates Mfg.
Synthetic Rubber Mfg.

Classification Description

Applies to the laying of the road starting with the sub-base and includes all kinds of paving or repaving, surfacing or resurfacing or scraping, including airport runways or warming aprons. Also included are trimming and finishing of shoulders, installing curbing and erecting guard rails or fences.

Operations Also Included

1. Concrete drilling or sawing on highways or roads.
2. Flagmen provided by specialist contractors.
3. Painting lines on highway or roads.
4. Safety grooving of road surfaces by specialist contractor.
5. Portable/temporarily located asphalt plants operated by a paving contractor.

Operations Not Included

1. CLEARING OF LAND projects shall be classified as delineated in the General Auditing & Classification Information section.
2. Separately rate subsurface work which involves all work necessary to bring the road up to grade or rock excavation, filling or grading to Code 609.
3. Separately rate bridge and culvert building where clearance is more than 10 feet at any point or the entire distance between terminal abutments exceeds 20 feet to Code 654.
4. Separately rate tunneling projects to Code 615.
5. Assign the applicable quarrying classification to quarrying and stone crushing by the quarry operator.
6. Assign Code 855 to permanently located and separately staffed asphalt pants.

Underwriting Guide

Airport Construction, Paving – Landing Strip Or Warming Apron
Airport Runway Construction – Paving Or Repaving
Asphalt Laying, On Constructed Highway By Contractor
Asphalt Laying, On Constructed Highway By Supplier
Asphalt Road Spraying
Concrete Drilling Or Sawing – On Highways Or Roads
Curbstone – Concrete Prefabricated – Installed By Road Contractor
Fence Erection, Highway Barriers By Paving Contractor
Flagmen – Provided By Specialist Contractor
Guardrail Or Metal Fence Erection – By Road Contractor
Highway Maintenance, Scraping, Paving Or Repaving By Contractor
Milling Of A Road’s Surface – By An Independent Contractor Or The Paving Contractor
Painting Lines On Highways Or Roads
Paving Or Repaving, Road And Street
Repaving – Street Or Road
Road Construction – Paving Or Repaving
Street Or Road Construction Or Maintenance – Scraping, Paving Or Repaving
Surfacing Or Resurfacing Of Road Or Street
Warming Apron Paving, Airport

Underwriting Guide

Sewer Construction, All Work To Completion Except Tunneling, See Class 615
Storm Drain Construction

Classification Description

The entire payroll in construction of bridges or culverts exceeding a span of 12 ft. must be separately classified as provided in this Manual.

Underwriting Guide

Railroad Construction, By Contractor
Railroad Maintenance Of Way, By Contractor

Operations Also Included

1. Horizontal directional drilling for underground utility construction is a trenchless (non-excavating) method of installing underground pipes, conduits or cables.
2. Microtunneling is a trenchless method of installing pipes. A computerized navigation system operated above ground advances and steers the microtunneling machine (MTB), jacks the pipe, and excavates the soil to directly install pipes.

Underwriting Guide

Boring Or Test Boring For Soil Samples By Specialist Contractor
Drilling, By Contractor
Elevator Shaft Drilling – By Contractor
Geothermal Well Drilling -By Contractor
Horizontal Or Directional Drilling – For Underground Utility Construction – By Contractor
Microtunneling
Water Well Drilling – By Contractor

Classification Description

Applicable to a specialist contractor performing ground-supported concrete work in the construction of houses or one or two-story commercial buildings, including but not necessarily limited to concrete footings, foundation walls, cellar floors, curbs, sidewalks and driveways. Also applicable to constructing ground-supported concrete floors for one or two story commercial buildings and the blacktop paving or repaving of driveways, parking lots, sidewalks or yards. Further applicable to the breakup by use of picks or jackhammers and removal of old ground-supported concrete, digging with shovels, and the set-up and removal of forms by the ground-supported concrete contractor.

Operations Also Included

1. Mausoleum or monument erection in cemeteries.
2. Diamond core drilling within buildings by a specialist contractor.
3. Painting lines in parking lots or tennis courts by a specialist contractor.
4. The coating of concrete floors (typically with an epoxy resin) by a specialist contractor.

Operations Not Included

1. Assign Code 601 to the paving or repaving of streets, roads, airport runways or warming aprons.
2. Assign Code 601 to concrete curb or gutter work performed by a street or road paving contractor.
3. Assign Code 609 to excavation performed by means of mechanical equipment. See Code 609 for further information.
4. Assign Code 654 to ground-supported concrete work in the construction of commercial buildings three stories or more.
5. Assign Code 654 to the installation of precast walls or panels.
6. Assign Code 654 to the erection/dismantling of forms incident to the pouring of self-bearing floors or any other non-ground supported concrete work.
7. Assign Code 654 to Guniting/Shotcrete installation.
8. Assign Code 855 to concrete pumping services by a specialist contractor.
9. Assign Code 855 to a separately-staffed and permanently-located ready mix concrete or asphalt plant.

Underwriting Guide

Airport Construction, Paving Of Automobile Parking Areas
Asphalt Laying, Driveway, Floor, Yard, Sidewalk
Cement Work, Flat, Not Self-Bearing Or Reinforced
Concrete Floor Construction, Not Self-Bearing
Concrete Work, Yard
Diamond Core Drilling Within Buildings – By Specialist Contractor
Driveway Construction – Blacktop Or Cement
Flat Cement Work Contractor
Mausoleums And Monuments In Cemeteries, Erection Only
Painting Lines On Parking Lots Or Tennis Courts
Paving, Driveway – Blacktop Or Cement

Classification Description

Applicable to payroll developed in general excavation, grading, trench digging, filling or backfilling. Also applicable to road construction subsurface work which involves all work necessary to bring the road up to grade including earth or rock excavation, filling or grading. Such work is performed with power shovels, trench diggers, bulldozers or graders. The business may be a specialist excavation contractor principally engaged in one or more of the listed tasks. The business may be a general contractor employing a separate staff performing one or more of the listed tasks or the business has kept separate payroll records for personnel who interchange between one or more of the tasks listed above and other construction tasks assigned to another construction classification.

Operations Also Included

1. All methods of clearing or removing brush and/or tree stumps that is not incident to tree removal.
2. Excavation and/or grading for parking lots.
3. Blasting services by specialist/independent contractors under contract with unrelated businesses including incidental drilling.
4. Cross-country oil or gas pipeline construction.
5. Landfill operation by independent contractor.
6. Excavation contractors placing pipe in an excavated trench without making service connections.

Operations Not Included

1. Assign the applicable “all work to completion” construction classification when a business is performing work assignable to an “all work to completion” classification. Any excavation work performed by the business incidental to an “all work to completion” job or project shall be included in the “all work to completion” construction classification applicable to the job or project.
2. Separately rate the laying of a road’s sub-base, its paving or repaving, surfacing or resurfacing or scraping to Code 601. This also includes airport runways or warming aprons.
3. Separately rate tunneling projects to Code 615.
4. Separately rate bridge and culvert building where clearance is more than 10 feet at any point or the entire distance between terminal abutments exceeds 20 feet to Code 654.
5. Assign the applicable quarrying classification to quarrying and stone crushing by quarry operator.

Underwriting Guide

Airport Runway Or Warming Apron Construction- Subsurface Work
Blasting Contractor – Includes Incident Drilling By The Blasting Contractor
Building Underpinning
Caisson Work, Pneumatic
Canal Irrigation, Construction
Caves, Excavation Of New Areas For Exhibition Purposes
Cell Tower Erection – Excavation Or Grading Of The Site By Contractor
Cellar Excavation
Culvert Construction, Not Exceeding 10 Feet Span
Excavation – Street Or Road – Including Rock Excavation
Excavation, N.O.C.
Foundation Excavation
Gas Or Oil Pipeline Construction – Cross-Country
Grading
Grading Preparatory To Building Erection
Grave Digging – By Contractor
Humus Digging And Bagging
Irrigation System Construction
Landfill Operation
Levee Construction
Oil Or Gas Pipeline Construction – Cross-Country
Peat Digging
Pipeline Construction, Oil Or Gas – Cross-Country
Pipeline Reclamation, Oil Or Gas
Rock Excavation, Not Quarry
Septic Tank Installation, By Specialist Contractor
Street Or Road Rock Excavation
Sub-Surface Work – Road Or Street Construction

Operations Not Included

1. Assign Code 654 to payroll developed in pouring concrete into driven piles.

Underwriting Guide

Bulkhead Construction – State Coverage Only
Jetty Construction – State Coverage Only
Pile Driving – State Coverage Only
Wharf Building, Timber – State Coverage Only

Operations Not Included

1. Assign Microtunneling to Code 607. Microtunneling is a trenchless method of installing pipes. A computerized navigation system operated above ground advances and steers the microtunneling machine (MTB), jacks the pipe, and excavates the soil to directly install pipes.

Underwriting Guide

Cofferdam Work – Under Pneumatic Pressure
Sewer Construction, Tunneling
Tunneling

Operations Not Included

1. Separately rate to Code 615 tunneling under pressure.
2. Separately rate horizontal/directional drilling for underground utility construction to Code 607.
3. Separately rate conduit construction to Code 625.

Underwriting Guide

Gas Main Construction – Local Distribution Systems – All Work To Completion Except Tunneling
Gas, Steam Or Water Main Repair – By Contractor – All Work To Completion Except Tunneling
Main Construction – Gas, Steam Or Water – Local Distribution Systems – All Work To Completion Except
Steam Main Construction – All Work To Completion Except Tunneling
Water Main Construction, All Work To Completion Except Tunneling

Classification Description

Also includes cable laying by specialist contractors employing automatic equipment, which in one operation opens the trench, lays the cable and backfills.

Operations Not Included

1. Separately rate horizontal/directional drilling for underground utility construction to Code 607.

Underwriting Guide

Cable Installation In Conduits – By The Conduit Construction Contractor
Cable Laying With Automatic Equipment – By Specialist Contractor
Conduit Construction – For Cables Or Wires, All Work To Completion

Underwriting Guide

Asbestos – Encapsulation Or Removal (Including Pipe Insulation)
Insulation (Asbestos) Encapsulation Or Removal (Including Pipe Insulation)
Insulation Work, Pipe (Incl. Asbestos Encapsulation Or Removal)
Pipe Insulation – Asbestos Encapsulation Or Removal

Classification Description

Includes the entire operation of installing drywall/wallboard including taping, seaming, texturing, but not painting.

Underwriting Guide

Drywall Installation – Including Taping And Seaming
Plasterboard Installation
Sheet Rock Installation – Within Buildings
Taping And Seaming Of Wallboard
Wallboard Installation

Underwriting Guide

Blackboard Installation – Wood
Church Furnishings – Wood (Altars, Pews) Installation
Display Rack Or Stand Installation – Metal, Plastic Or Wood
Electrostatic Painting Of Metal Cabinets Or Furniture – At Customers’ Locations – By Specialist Contractor
Exhibit Booth Erection
Fixture Installation: Partitions Or Counters
Furniture Or Fixture Installation – Portable – In Offices Or Stores
Kitchen Equipment Installation – (Commercial)
Metal Partition, Shelving, Locker, Office And Store Fixture Installation
Partition Installation
Shelving And Store Fixture Installation
Showcase Erection And Installation, No Mfg.
Soda Fountain Or Counter Installation – Plumbing Or Electrical Wiring To Be Separately Rated

Classification Description

Includes the installation or application of acoustical or thermal insulating material in buildings or within building walls.

Operations Also Included

1. A Weatherization Program insulates the client’s home, which may be a detached house, twin, a row house or a mobile home. The clients are generally either elderly, on a fixed income or are low-income families. All of a weatherization program’s tasks (e.g., fixing windows and/or doors, installing blown or insulation, putting in foam sealants, doing caulking or putting in weather stripping) are incidental to the efforts of preventing outside air from infiltrating the home and concurrently preventing warm or air-conditioned air from escaping the home’s insulation.

Operations Not Included

1. Assign Code 643 to payroll developed in asbestos encapsulation or removal including pipe insulation.
2. Assign Code 663 to pipe covering or insulation work except for asbestos.

Operations Also Included

1. The installation of parquet flooring.
2. The installation of countertops of any material except stone countertops.

Operations Not Included

1. Assign Code 668 to the installation of all types of stone countertops.

Underwriting Guide

Bathtub Liner Installation
Cabinet Installation, Commercial Or Residential
Carpentry – Installation Of Cabinet Work, Finished Wooden Flooring Or Interior Trim
Finished Hardwood Floor Installation
Floor Installation – Portable – Wood
Floor Laying, Finished Hardwood
Floor Sanding Or Scraping – Wood
Hardwood Floor Laying
Interior Trim Installation – Wood
Kitchen Cabinet Installation – Wood
Locks, Installation In New Buildings
Parquet Floor Laying
Paving, Wood Block, Interior
Stair Building (Wooden) Erection

Underwriting Guide

Acoustical Ceiling Installation – Suspended Grid Type
Ceiling Installation – Acoustical – Suspended Grid Type

Underwriting Guide

Aluminum Awning Erection – Commercial
Aluminum Storm Sash Installation – Commercial
Boarding Up Of Abandoned Buildings (Including Those Designed For Dwelling Occupancy)
Bridge Building – Wood
Carpentry, N.O.C. Excluding Concrete Form Building
Cooling Tower Erection, Prefabricated – Wood
Door Installation – Commercial – All Types Except Overhead Doors
Fence Erection All Types – Commercial or Residential
General Construction – Commercial
Grandstand Or Bleacher, Erection By Contractor – Portable – Wood
Greenhouse Erection
Interior Stripping/Gutting Of Buildings
Jalousie Or Jalousie Screen – Metal Or Glass, Erection Of – Commercial
Lead Paint Removal (From Any Non-Pipe Surface) – By Contractor
Metal Fence (e.g., Aluminum, Chain Link or Wrought Iron) Erection – Commercial or Residential
Metal Storm Sash Installation – Commercial
Prefabricated Wooden Building And Structural Member Erection
Siding Installation (Aluminum, Vinyl Wood Or Cement Board) – Commercial Structures
Silo Erection – Wood
Storm Window Or Storm Door, Installation – Wood Or Metal – Commercial
Tank Erection – Wooden
Vinyl Fence Erection – Commercial or Residential
Window Screen Or Screen Door Installation – Metal Or Wood – Commercial
Wood Fence Erection – Commercial or Residential

Operations Also Included

1. Assign Code 652 to the entire payroll of employees interchanging among trades at a specific job site.

Operations Not Included

1. Separately classify trades where there is no interchange of personnel at specific job sites.

Underwriting Guide

Aluminum Awning Erection – Residential
Aluminum Storm Sash Installation – Residential
Carpentry – Detached One Or Two Family Dwellings
Carpentry – Remodeling Of One Or Two Family Dwellings
Carpentry – Residential For Multiple Dwelling Occupancy – Three Stories Or Less
Door Installation – Residential – All Types Except Overhead Doors
Home Improvements and/or Remodeling
Jalousie Or Jalousie Screen – Metal Or Glass, Erection Of – Residential
Metal Storm Sash Installation – Residential
Modular Home Setup, Warranty Service, Remodeling Or Repair
Punch List Repairs – By Contractor To A New House
Siding Installation (Aluminum, Vinyl, Wood or Cement Board) – Residential
Storm Window Or Storm Door Installation – Wood Or Metal – Residential
Window Screen Or Screen Door Installation – Metal Or Wood – Residential

Operations Not Included

1. Assign Code 603 to payroll developed in masonry work in connection with sewers
2. Assign Code 665 to payroll developed in sandblasting by a painting contractor preparatory to painting.
3. Assign Code 971 to payroll developed in the power washing of exterior walls or decks at residential or commercial sites.

Underwriting Guide

Boiler Brick Work, Installation Or Repair
Brick Pointing
Bricking Up Abandoned Buildings
Bricklaying
Building Caulking, Exterior
Cement Block Erection
Chimney Construction – Masonry
Fireplace Installation
Fireproof Tile Setting
Glass Block Installation – Structural Use
Hardscaping Installation
Marble Setting, Exterior Only
Masonry, N.O.C.
Pavers (Decorative Brick Or Stone) Installation
Plaster Block Erection
Retaining Wall Construction (Excluding Concrete)
Sandblasting The Outside Of Buildings – By Specialist Contractor
Silo Erection – Masonry Or Tile
Stone Setting – Structural
Stonework Erection By Contractor
Structural Glass Block Installation, Interior
Stucco Work, Exterior Walls
Swimming Pool Plastering- By Specialist Contractor
Swimming Pool Tile Installation – By Specialist Contractor
Tuck Pointing
Waterproofing Of Buildings
Window Caulking

Classification Description

Applicable to commercial or residential concrete building construction such as self-bearing floors, foundations, piers, bridges, culverts or silos. Also applicable to making or erecting forms, placing reinforcing rods, taking down or stripping forms and finishing (smoothing out irregularities) the poured concrete. Code 654 applies to each of the aforementioned steps in the concrete construction process, whether all work is performed by one contractor or one or more of the job steps are outsourced to a specialty subcontractor(s).

Operations Also Included

1. Grouting (including drilling), which is the placement of cement, plastic compounds or concrete or the pumping of fly ash.
2. Guniting (Shotcrete Installation).
3. Pouring concrete into driven pilings.
4. Ground-supported concrete footings or foundation walls in the construction of commercial or residential buildings three stories or more.
5. Precast concrete panel or wall installation.
6. The wrecking or demolition of concrete or concrete-encased buildings or structures.

Operations Not Included

1. Assign Code 608 to a specialty contractor performing ground supported concrete work in the construction of houses or small (one or two-story) commercial buildings.
2. Assign Code 609 to excavation performed by mechanical equipment. See Code 609 for further information.
3. Assign Code 855 to concrete pumping services by a specialist contractor.
4. Assign Code 855 to a separately staffed and permanently located ready mix concrete plant.

Underwriting Guide

Cell Tower Erection – Building Of The Concrete Pad By Contractor
Cement Finishing
Concrete Construction
Concrete Floor Construction, Self-Bearing
Concrete Form Erection
Concrete Parking Garage Construction
Concrete Reinforcing Rod Setting
Concrete Work, Dams
Concrete Work, Floors, Etc., Above Ground Level
False Work Erection For Concrete Construction
Grouting – Including Drilling – Placing Of Cement, Plastic Compounds Or Concrete, Or Pumping Of Fly Ash
Guniting (Shotcrete Installation)
Panel Or Wall Installation – Precast Concrete
Parking Garage Construction – Concrete
Precast Concrete Panel Or Wall Installation
Reinforcing Rod Setting – Including By Specialist Contractor
Retaining Wall Construction – Concrete
Shotcrete Installation (Guniting)
Silo Erection – Concrete
Wall Or Panel Installation – Precast Concrete

Underwriting Guide

Bridge Building – Metal
Bridge Painting
Cell Tower Erection – Antenna(s) Installation, Service and/or Repair By Contractor
Cell Tower Erection – Erection Of The Tower By Contractor
Chimney Cleaning – Industrial Smokestacks
Concrete, Pre-Stressed, Erection By Contractor
Corrosion Proofing Of Chemical Tanks
Fire Escape Installation By Contractor – Outside
Gas Holder Erection
Iron Erection
Iron Or Steel Erection, Structural
Metal Furring, By Contractor
Oil Field Tank Painting
Painting Of: Bridges, Oil Field Tanks, Steel Structures Or Tanks
Smokestack Or Chimney Lining – Industrial
Steel Erection, N.O.C.
Steel Frame Structure Erection
Steel Structures Painting
Steel Tank Erector
Steel Tower Erection For Cross-Country Electric Or Telephone Lines
Swimming Pool Installation – Iron Or Steel
Tank Erection – Steel
Tank Painting
Water Tank Painting
Welding – Structural Steel
Windmill Erection – Metal

Classification Description

Includes the setting of poles, installation of pole hardware or transformers or the stringing of lines.

Operations Not Included

1. Assign Code 005 to payroll developed in the clearing of right-of-way on new lines, maintenance of right-of-way on existing lines or tree trimming.
2. Assign Code 655 to payroll developed in the erection of steel towers for cross-country lines.
3. Separately rate the tasks performed by a contractor(s) in erecting a cell phone tower. Such tasks may include but are not necessarily limited to:<ol type=”a”>
4. Assign Code 609 to the clearing, excavation and/or grading of the site.
5. Assign Code 654 to building the concrete foundation.
6. Assign Code 655 to the erection of the tower and/or to the installation and/or repair of the tower’s antennas.
7. Assign Code 660 to running a lateral line connecting the cell tower site to the land-line telephone network and/or installing low voltage wiring to the computer(s) or the fiber optic cable carrying the telephone signal to and from the cell site’s base station call switching equipment.
8. Assign Code 952 to the programming, service or repair of computerized telephone call switching equipment in the cell site’s base station.

Underwriting Guide

Electric Line Construction, By Contractor
Floodlight Erection – Permanent
Installation Of Telephone Or Electric Pole Hardware
Installation Of Telephone Or Electric Transformers
Power Line Construction
Setting Of Telephone Poles
Stringing Of Electric Or Telephone Lines
Telephone Line Construction By Contractor

Classification Description

Applies to an employer providing rigging services to unrelated concerns on a contract basis. Rigging is a
process used to secure materials that are to be moved by lifting equipment such as cranes, hoists, and
block and tackle. A rigging contractor may be limited to securing the load, may both secure and lift the load,
or may secure, lift and move the load to another location.

Operations Also Included

1. The disassembly, reassembly and setting and securing in place (e.g., bolting) of the item being
2. The over the road transportation of the item being rigged, typically via the use of heavy or wide load trucks, when performed by the rigging contractor.
3. The operation of a mobile crane or other hoisting/lifting equipment when performed by a rigging contractor in order to move and/or set in place the item being rigged.

Operations Not Included

1. Separately rate installation work as provided for in this Manual. Installation includes but is not necessarily limited to the running and connecting of new plumbing, electrical or mechanical lines and related work. The disassembly, reassembly, transportation and setting and securing in place (e.g., bolting) of the item being rigged when performed by the rigging contractor to facilitate the rigging work shall not be construed to be installation.
2. Code 657 shall not apply to an employer whose field of business is construction, installation, service or repair and performs rigging work to facilitate the employer’s own construction, installation, service or repair work.
3. An employer in the business of renting cranes with operators shall be assigned to Code 802.

Underwriting Guide

Rigging – Non Ship
Safe Moving
Tower Bell Installation

Underwriting Guide

Architectural Bronze, Iron, And Brass Metal Work, Erection Only
Balcony Erection
Banister, Railing, Or Guard Erection – Metal
Fire Escape Installation, Inside
Fireproof Shutter Erection
Flagpole – Erection
Guardrail Erection – By Specialist Contractor
Iron Erection, Ornamental Or Non-Structural Only
Ornamental Brass Erection
Ornamental Bronze Erection
Ornamental Iron Grill Erection
Ornamental Iron Railing Erection
Prison Cell Erection – Steel
Railing Erection – Metal

Classification Description

Applicable to specialist contractors performing any type of roofing, roofing repair or reroofing job utilizing any type of roofing material, including but not necessarily limited to hot tar, shingles, slate, tile or rubber on any type of roof, such as flat, sloped or built-up. Includes all personnel working on a roofing job (e.g., ground personnel passing materials to personnel on the roof and picking up debris and personnel on the roof).

Operations Also Included

1. Roof decking and related carpentry work performed by a roofing contractor.
2. The installation of sheet metal products (e.g., fascia, gutters, downspouts) by a roofing contractor that is a part of a roofing job.
3. Specialist contractors performing the waterproofing of roofs or the insulation of roofs.

Operations Not Included

1. There is no payroll division between Codes 659 and 676 at the same location or job.
2. Assign Code 454 to a separately-staffed and located sheet metal fabrication shop.

Underwriting Guide

Roofing Installation – All Kinds

Underwriting Guide

Alarm Or Sound System Installation
Audio And Intercommunication System Installation – Within Buildings
Battery Back-Up Power Systems – Service Or Repair By Specialist Contractor
Burglar Alarm System Installation, By Contractor
Cable Television – System Hookup Or Service – By Specialist Contractor
Closed Circuit Television Systems – Installation Or Repair
Computer Wiring Installation Within Buildings – By Specialist Contractor
Environmental Control Systems Installation, Service Or Repair – By Specialist Contractor
Fire Alarm System Installation
Intercommunication System Installation, Within Buildings
Invisible Fence Installation
Public Address Systems Installation – Including Loudspeakers
Sound System Installation
Telephone Wiring Installation Within Buildings – By Specialist Contractor

Classification Description

Includes electric fixtures or apparatus installation or the making of service connections.

Operations Not Included

1. Assign Code 656 to payroll developed in overhead electric telephone line construction.

Underwriting Guide

Cable Installation Or Replacement In Existing Conduit – By Specialist Contractor
Electric Fixture Installation – By Contractor
Electrical Contractor
Electrical Wiring In Buildings – By Contractor
Electronic Garage Door Opener Installation – By Contractor
Floodlight Erection, Temporary – By Contractor
Meters – Electric, Installing, Repairing And Testing, Including Shop – By Contractor
Service Connections, Electrical Contractor
Solar Electric (Photovoltaic) System Installation
Traffic Light Installation – By Contractor

Classification Description

Includes the service or repair of window-unit type air conditioners, domestic refrigerators and/or commercial or domestic appliances including but not necessarily limited to: stoves, dishwashers, washing machines or clothes dryers. Also includes incidental shop or parts department employees.

Operations Not Included

1. Separately rate electrical wiring or plumbing as provided in this Manual.
2. Assign the applicable store class to separately-staffed store operations.
3. Assign Code 664 to payroll developed in the installation, service or repair of central air conditioning units or commercial refrigeration (including walk-in) units.
4. Assign Code 675 to payroll developed in the installation, service or repair of industrial equipment (e.g., conveyor ovens).

Underwriting Guide

Air Conditioning Window-Type Units – Service Or Repair
Appliances, Major Household Or Commercial, Electrical Or Gas – Service Or Repair
Dryers, Household Or Commercial, Electrical Or Gas – Service Or Repair
Electrical Or Gas Household Major Or Commercial Appliances – Service Or Repair
Gas Fireplace Service Or Repair
Household Major Or Commercial Appliances, Electrical Or Gas – Service Or Repair
Refrigerator, Household – Service Or Repair
Stoves, Household Or Commercial, Electric Or Gas – Service Or Repair
Washing Machines, Household Or Commercial, Electrical Or Gas – Service Or Repair
Water Cooler – Installation, Service Or Repair

Classification Description

Includes work within buildings.

Operations Not Included

1. Assign Code 607 to payroll developed in geothermal and/or water well drilling.
2. Assign Code 675 to pipefitting in connection with the installation of machinery or apparatus outside of buildings.

Underwriting Guide

Automatic Sprinkler Installation
Automatic Stoker, Gas Or Oil Burner Installation
Beer Drawing Equipment, Cleaning And Installation
French Drain Installation
Furnace – Hot Water Or Steam – Installation, Service Or Repair
Furnace Cleaning – Hot Water Or Steam
Gas Pipefitting, Indoor
Heating Equipment – Installation, Service Or Repair – Hot Water Or Steam
Hot Water Tank – Installation, Service Or Repair
Insulation Work, Pipe
Lawn Sprinkler Installation
Lead Paint Removal (From A Pipe Surface) – By Contractor
Milking Equipment Installation
Oil Still Pipe Insulation
Pipe Covering Installation
Pipe Laying For House Or Service Connections, By Plumbing Contractor
Pipefitting – House Connections
Plumbing, N.O.C.
Pump Installation, Water
Sewer Cleaning, House Connections, Using Portable Equipment
Soda Dispensers – Installation And Repair
Solar Water Heater Installation – Including Storage Tanks And Solar Panels
Sprinkler Installation
Stoker Installation Or Repair
Sump Pump Installation
Water Meter Installation – By Contractor
Water Softener Installation And Service, Domestic
Water Well Cleaning

Classification Description

Applicable to contractors performing forced air heating, ventilating or air conditioning equipment installation required for air comfort control or engaged in the service or repair of such equipment. Further included is any incidental duct or shop work.

Operations Not Included

1. Assign Code 607 to payroll developed in geothermal or water well drilling.
2. Assign Code 662 to payroll developed in the service or repair of window-unit air conditioners.
3. Assign Code 663 to payroll developed in the installation, service or repair of either hot water or steam heating equipment.
4. Assign Code 677 to payroll developed in the installation, service or repair of high pressure hot water or steam heating equipment.

Underwriting Guide

Air Conditioning (Central) Systems Installation, Repair Or Service
Central Air Conditioning Systems Installation, Service Or Repair
Cleaning, Oiling Or Adjusting Of Air Conditioning, Forced Air Heating Or Ventilating Systems
Duct Fabrication And Installation – Heating, Ventilating Or Air Conditioning
Ductless Heating And/Or Air Conditioning System – Installation, Service Or Repair
Furnace Cleaning – Hot Forced Air
Heating Systems – Hot Forced Air, Repair Or Service – Cleaning, Oiling Or Adjusting
Heating Systems Installation, Except Electric, Hot Water Or Steam
Radon Mitigation
Refrigeration Or Central Air Conditioning Units Installation Or Service
Ventilating System Installation
Ventilating Systems Repair Or Service – Cleaning, Oiling Or Adjusting
Warm Air Heating System Installation

Operations Not Included

1. Assign Code 655 to payroll developed in the painting of steel structures or bridges.

Underwriting Guide

Calcimining, By Contractor
Painting, Including Shop and Preparatory Sandblasting
Shingle Staining, On Structures, Including Shop Work
Whitewashing, By Contractor

Operations Not Included

1. Assign Code 536 to payroll developed by a separate shop staff engaged in the manufacture of glass products including bending, beveling or silvering of purchased plate glass.

Underwriting Guide

Glass Installer, Except Automobile
Glazier, Away From Shop
Glazing
Mirror Installation
Plate Glass Installation
Wire Glass Installation

Underwriting Guide

Glass or Window Tinting, Except For Auto Glass
Paperhanging
Solar Control Film Installation In Window
Wallpaper Hanging
Window or Glass Tinting, Except For Auto Glass

Classification Description

Structural glass block installation shall be assignable to Code 653.

Underwriting Guide

Ceramic Tile Installation
Floor Installation – Ceramic Tile
Granite Countertop Installation
Interior Marble Installation
Interior Tile Mosaic Work
Marble Setting, Interior Only
Mosaic Tile Installation
Stone Setting – Non-Structural
Terrazzo Floor Laying
Tile Floor Laying – Ceramic Or Mosaic
Tile Wainscoting Installation

Underwriting Guide

Lathing
Plastering, N.O.C.
Stucco Work, Building Interiors

Classification Description

Separately staffed store operations shall be assigned to the appropriate store class.

Underwriting Guide

Automobile Seat Cover Installation and/or Seat Upholstering – at Customers’ Locations
Automobile Top Installation, Fabric or Vinyl – At Customers’ Locations
Carpet Installation, By Specialist Contractor
Curtain Or Drapery Installation From Floor Or Ladder
Drapery Or Curtain Installation From Floor Or Ladder
Flag And Bunting Erection From Floor Or Ladder
Floor Coverings – Installation Of Linoleum, Asphalt Or Rubber Tiling – Not Ceramic Tile Installation
Floor Installation – Not Concrete, Ceramic Or Wood
Floor Laying – Linoleum, Asphalt, Rubber Or Composition Tiling, Not Ceramic
Furnishing Goods Installation
House Furnishings Installation
Linoleum Laying
Rubber Tile Installation
Slipcover Installation
Tile Floor Laying, Not Ceramic Or Mosaic
Upholstering – Away From Shop
Venetian Blind Installation, No Mfg.
Vinyl Tile Installation
Window Shade Installation

Classification Description

Applicablle to a business engaged in the erection or repair of signs not otherwise classified.

Operations Not Included

1. Separately rate the shop manufacture of signs as provided for in this Manual.
2. Assign the erection, maintenance and changing of content on billboards, bill posting, and sign painting or lettering on buildings or other structures to Code 679. See Code 679 for additional details.

Underwriting Guide

Advertising Sign Erection or Repair, Not Outdoor Advertising Company
Electrical Advertising Sign Installation or Repair
Highway Directional Sign Erection or Repair
Neon Sign Installation or Repair
Road or Street Sign Erection or Repair
Scoreboard Installation or Repair – Electric
Sign Erection, Removal Or Repair, Not Outdoor Advertising Company

Operations Not Included

1. Assign Code 655 to the construction of iron or steel reinforced swimming pools that are not ground-supported (e.g., the type commonly found on an upper floor or rooftop of a hotel or apartment building).
2. Assign Code 971 to swimming pool cleaning or maintenance work performed by the separate staff of a swimming pool construction contractor or by a specialist contractor.

Underwriting Guide

Swimming Pool Installation – All Types Except Iron Or Steel – All Work To Completion
Swimming Pool Liner Installation – Vinyl, By Swimming Pool Installation Contractor

Classification Description

Applies to the erection or repair of factory machinery or to the installation, erection or repair of elevators, escalators, conveyors or hoisting systems.

Underwriting Guide

Acetylene Gas Machine Installation
Conveyor Or Conveyor Belt Installation
Conveyor Oven Installation, Service Or Repair
Crane Or Derrick Installation, Service Or Repair – Permanently-Sited
Dismantling, Installation Or Service Or Repair Of Machinery Or Industrial Equipment, By Contractor
Door Installation, Overhead – Wood Or Metal
Electrical Apparatus, Machinery Or Motor Installation Or Field Repair
Elevator Erection, Service Or Repair
Escalator Installation, Service Or Repair
Gasoline Station Equipment Installation (Including Excavation) Or Repair
Hoist Installation, Service Or Repair Permanently-Sited
Industrial Crane Installation, Service Or Repair – Permanently-Sited
Installation Of Hod Hoists
Installation Or Dismantling Of Machinery And Industrial Equipment, By Contractor
Laundry Equipment Installation, Service Or Repair – Industrial
Machine Belting Installation Or Repair
Machinery Erection Service Or Repair
Machinery Or Industrial Equipment Installation, Service Or Repair Or Dismantling, By Contractor
Millwrighting
Monorail System Installation (Except For Public Transportation)
Oven (Conveyor) Installation, Service Or Repair
Overhead Door Installation
Pipefitting, Installation Of Apparatus Or Machinery Outside Of Buildings
Pump Installation, Service Stations
Pump, Air And Gas Compressor, And Pumping Equipment – Installation, Service Or Repair
Safe Installation
Scaffold Sale, Rental Or Erection, By Specialist Contractor
Scale Installation Or Adjustment, Platform Or Beam Type
Tank Installation, Gas Stations
Textile Machinery Installation, Service Or Repair

Classification Description

Code 676 shall be assigned to both the shop and the erection or installation payroll developed by an insured engaged in both the shop fabrication of sheet metal products and the erection or installation thereof.

Underwriting Guide

Downspout Installation
Gutter Installation – Metal
Metal Ceiling Installation

Classification Description

Includes all work to completion except brickwork, which must be assigned to Code 653.

Underwriting Guide

Boiler Installation Or Repair
Construction Of Boiler Foundations
Grate Installation In Boilers, By Specialist Contractor
Pipe Connection, For Boilers
Steel Work In Connection With Boilers

Classification Description

Applicable to a business engaged in the erection, maintenance and changing of content on billboards, sign painting or lettering in or upon buildings or structures and/or bill posting. Includes shop operations.

Operations Not Included

1. Assign the installation, erection or repair of signs not otherwise classified to Code 673. See Code 673 for additional details.

Underwriting Guide

Advertising Company – Outdoor
Bill Posting (Including By Specialist Contractor)
Billboard – Erection, Maintenance and/or Changing Of Advertising By Outdoor Advertising Co. Or Specialist Contractor
Sign Painting Or Lettering In Or Upon Buildings Or Structures

Underwriting Guide

Awning Erection Or Installation (Cloth)
Canvas Products Erection
Curtain Or Drapery Installation From Scaffolding
Drapery Or Curtain Installation From Scaffolding
Flag Or Bunting Erection From Scaffolding
Tent Installation

Classification Description

Coverage under State Act only.

Underwriting Guide

Public Weighers And Samplers Of Steamship Agency – State Coverage Only
Tallymen – State Coverage Only

Classification Description

Applicable to all waterfront operations, including but not necessarily limited to: the operation of boat docks, storage facilities, repair shops or marine railways, the sale or repair of boats or engines, the sale of parts or accessories, dockside snack bars and all dockside employees. The operation of separately-staffed inland boat showrooms or the operation of separately-staffed motels, restaurants, swimming pools, bowling lanes or other recreational facilities shall be separately classified as provided for in this Manual.

Separate staff engaged in boat building is assignable to Code 718.

Coverage under State Act only.

Underwriting Guide

Boat Rental – State Coverage Only
Boat Storage Or Moorage – State Coverage Only
Marina – State Coverage Only
Yacht Basin – State Coverage Only

Classification Description

Coverage under State Act only.

Includes businesses engaged in the building of recreational vessels and/or the repairing and the dismantling of a recreational vessel in connection with the repair of such vessel as defined in the United States Longshore and Harbor Workers’ Compensation Act (LHW CA) as amended, who have been granted exemption from the LHW CA by the United States Secretary of Labor. A copy of the exemption certificate shall be made available to the DCRB as documentation.

Underwriting Guide

Boat Building – Recreational – State Coverage Only
Boat Dismantling – Recreational – State Coverage Only
Boat Repairing – Recreational – State Coverage Only

Classification Description

The policies for risks with operations assignable to Code 721 must be endorsed excluding insurance of Federal Employers’ Liability Act coverage. (Part Two)

Underwriting Guide

Railroad, N.O.C. – Including Shop

Underwriting Guide

Aircraft Mfg.

Classification Description

Payroll developed by meter readers having no regular duty of any other nature in the service of the employer shall be assigned to Code 951.

As provided for in this Manual separately classify: geophysical exploration, drilling for gas deposits, the operation of gas wells and the construction or operation of cross-country pipelines.

Underwriting Guide

Gas Utility
Manufactured Gas Utility
Mixed Gas Utility
Natural Gas Utility

Classification Description

Applies to the operation of cross-country pipelines for the transmission of oil or natural gas which may include the laying or relaying of gathering or distributing lines, the operating of pumping stations, line checking, meter reading, line maintenance or repair and prevailing right-of-way clearance.

Operations Not Included

1. Assign Code 581 to businesses engaged in oil refining.
2. Assign Code 609 to contractors building a cross-country pipeline.

Underwriting Guide

Gas Or Oil Pipeline Operation
Oil Or Gas Pipeline Operation

Classification Description

Payroll developed by meter readers having no regular duty of any other nature in the service of the employer shall be assigned to Code 951.

Underwriting Guide

Irrigation Plant, Selling And Pipe-Distributing Water
Liquid Waste Treatment
Plant Sewage Disposal Plant, Private
Steam Heating Company
Waste Treatment Plant – Liquid
Water Supply System, Private
Waterworks

Classification Description

Payroll developed by meter readers having no regular duty of any other nature in the service of the employer shall be assigned to Code 951.

Underwriting Guide

Cooperative Electric Utility
Electric Utility Operation
Private Electric Utility
R.E.A. Cooperative

Classification Description

Applicable to FCC licensed businesses principally engaged in providing telephone services including but not necessarily limited to: wireline, long distance, cellular, radio paging or mobile radio services for customers for a fee.

Operations Also Included

1. Includes the installation, maintenance, repair and operation of telephone lines and systems, remote transmission sites and central office switching equipment.

Operations Not Included

1. Independent contractors performing installation,maintenance orrepair of telephone lines for telecommunications companies shall be separately classified as provided for in this Manual.
2. Separately rate the tasks performed by a contractor(s) in erecting a cell phone tower. Such tasks may include but are not necessarily limited to:<ol type=”a”><li>Assign Code 609 to the clearing, excavation and/or grading of the site.</li><li>Assign Code 654 to the building of the concrete foundation.</li><li>Assign Code 655 to the erection of the tower and/or to the installation and/or repair of the tower’s antennas.</li><li> Assign Code 660 to running a lateral line connecting the cell tower site to the landline telephone network and/or installing low voltage wiring to the computer(s) or the fiber optic cable carrying the telephone signal to and from the cell site’s base station call switching equipment. </li><li>Assign Code 952 to the programming, service or repair of computerized telephone call switching equipment in the cell site’s base station.</li></ol>
8. Assign Code 759 to a business principally engaged in providing cable television and internet services.

Underwriting Guide

Telecommunications Company
Telephone Company

Classification Description

Applicable to FCC licensed businesses principally engaged in providing cable television and/or internet services to subscribing customers.

Operations Also Included

1. The erection or installation or system hook-up or service and/or repair or the operation of a cable television and internet system by the cable and Internet provider.

Operations Not Included

1. Assign Code 936 to separately staffed broadcasting studios and/or separate crews engaged in the presentation and/or filming of news and events.
2. Separately classify contractors engaged in the construction or erection work or the hook-up ofservice of customers for a cable television or Internet provider as follows: <ol type=”a”><li> Assign Code 625 to payroll developed in installing conduit underground and running cable through the conduit.</li><li>Assign Code 656 to payroll developed in the stringing of cable from pole-to-pole.</li><li>Assign Code 660 to payroll developed in hooking up or servicing a customer (including installing or replacing a lateral line from the pole to the customer’s building and/or running cable in the customer’s building).</li> </ol>
6. Assign Code 757 to a business principally engaged in providing telephone services.

Underwriting Guide

Cable T.V. – Installation – Hooking Up Of Customers To Systems
Cable T.V. – Installation Of New System, Except Towers
Cable T.V. – Service and/or Repair Work For The System And Individual Customer
Internet Service Provider
Television, Cable – Installation Of New Systems, Except Towers

Underwriting Guide

Auctioneer, Livestock
Boarding Stable
Breeding Farm – Horse
Carriage Tours Or Taxis (Horse Driven)
Cattle Auctioneer
Cattle Dealer
Farrier (Horse Shoeing By Specialist Contractor)
Horse Breeding Farm Or Boarding/Training Stable
Horse Driven Carriage Tours Or Taxis
Horse Shoeing By Specialist Contractor
Jockey – Employed By A Horse Breeding Farm Or Boarding/Training Stable
Livestock Commission Merchant
Livestock Dealer
Racing Stable
Riding Academy
Sales Stable
Stockyard
Therapeutic Riding Center

Classification Description

Applicable to specialist contractors engaged in the rental and/or leasing of cranes with operators.

Operations Not Included

1. Assign Code 675 to the installation and/or service/repair of overhead cranes in an industrial setting.
2. Assign Code 657 to rigging contractors, including rigging contractors who operate mobile cranes or other lifting/hoisting equipment in order to move and/or set in place the item being rigged.
3. Assign Code 814 to the rental or leasing of mobile cranes without operators.

Underwriting Guide

Crane Rental (Mobile) – With Operators by Specialist Contractor
Mobile Crane Leasing Or Rental – With Operators By Specialist Contractor

Classification Description

Applicable to a business engaged in operating a vehicle(s) that is available for immediate hire (on a call and demand basis) with the fare to be determined by zone or meter.

Lessees transporting passengers for hire in motor vehicles leased pursuant to written leases shall not receive compensation under the Delaware Workers’ Compensation Law but shall be deemed to be employers.

Effective July 7, 1982, New, Renewal, and Outstanding.

Underwriting Guide

Taxicab Company

Classification Description

Applicable to an independent contractor engaged in the transportation of students to and from school. Such a business may also perform the transportation of students to and from sporting events or field trips.

Underwriting Guide

Automobile Bus Operation, School Bus
Bus Operation, School
School Bus Operation, By Contractor

Classification Description

Applies to contractors engaged in hauling unprocessed or processed milk, water or other liquid food products by tank truck.

Underwriting Guide

Milk Hauling – By Contractor
Water Hauling – Tank Truck – By Contractor

Operations Also Included

1. The packaging or handling of households goods away from the employer’s premises by the furniture moving and/or storage company or by an independent packing contractor.

Operations Not Included

1. Assign Code 811 to the transporting or delivery and the setting into place at the customers’ locations of furniture and/or major household appliances under contract for a manufacturer or store.

Underwriting Guide

Furniture Moving and/or Storage
Household Goods Packing At The Customer’s Location By The Moving Company Or By Independent Contractor
Merchandise Warehouse – Furniture – Including Moving
Mover – Household Or Office Furniture – With Or Without Storage Facility
Packing Household Goods At The Customer’s Location By The Moving Company Or By Independent Contractor
Piano Mover
Warehouse – Public, Furniture

Classification Description

VOLUNTEER AMBULANCE COMPANIES: MEMBERS TREATED AS STATE EMPLOYEES. SEE CHAPTER
23, SECTION 2312 OF THE WORKERS’ COMPENSATION LAW FOR MORE DETAIL.

Applicable to an independent contractor operating an ambulance service staffed by salaried employees. Each ambulance service is licensed by the Delaware State Fire Prevention Commission, who also certifies ambulance attendants. An ambulance service may engage in both emergency and non-emergency patient transfers. Non- emergency transfers are generally by appointment.

Underwriting Guide

Ambulance Service – Salaried Employees

Classification Description

Applicable to businesses principally engaged in the delivery of envelopes, parcels or packages limited to 150 pounds or less. Envelopes, parcels or packages refer to those items where the delivery tariff or charge is allocable to the individual envelope, parcel or package. Also includes messenger or courier services engaged in deliveries on foot, by bicycle or motor vehicle.

Operations Not Included

1. Assign Code 811 to the hauling or transporting of materials or merchandise when the haulage or transport charge is based on truckload or partial truckload, the cumulative weight of the materials/merchandise being transported, the distance or mileage that the materials/merchandise is being transported, an hourly rate, or a flat contract price for the consignment.
2. Assign Code 811 to the transporting or delivery and setting into place at customers’ locations of furniture and/or major household appliances under contract for a manufacturer or store.
3. Assign Code 802 to specialist contractors engaged in the rental and/or leasing of cranes with operators.
4. Assign Code 805 to the hauling of unprocessed or processed milk, water or other liquid food products by the tank truck.
5. Assign Code 812 to the hauling or delivery of mail involving letters, parcels, packages, sacks, pallets or rolling containers under contract to the United States Postal Service.

Underwriting Guide

Armored Motor Truck Delivery
Bicycle Messenger Service
Courier Service Company
Delivery Service – On Foot, By Bicycle Or Motor Vehicle
Messenger Service – On Foot, By Bicycle Or Motor Vehicle
Parcel Delivery Company

Classification Description

For businesses principally engaged in the sale of processed coal, fuel oil, liquefied petroleum (LP), gas (bottled gas or in bulk), or any combination of these lines.

Operations Not Included

1. Separate crews installing and/or servicing fuel oil or gas heating units shall be separately classified as provided in this Manual.
2. Assign Code 811 to trucking businesses hauling fuel for unrelated businesses.
3. Assign Code 7313F to businesses operating coal or oil docks.

Underwriting Guide

Anhydrous Ammonia Dealer
Bottled Gas Dealer
Butane Gas Dealer
Coal Merchant
Collection Of Used Motor Oil – By Specialist Contractor
Fuel Oil Distributor
Fuel Yard
Gas Distribution, Bottled Or Bulk
Gasoline Dealer, Wholesale
Kerosene Distribution
Liquefied Petroleum Gas Dealer And Distributor
Motor Oil (Used) – Collection By Specialist Contractor
Naphtha Distribution
Oil Distributing, Retail And Wholesale
Petroleum Broker
Petroleum Bulk Stations And Terminals – Including Blending And Mixing
Propane Gas Dealer
Used Motor Oil Collection – By Specialist Contractor

Classification Description

Applicable to hauling contractors principally engaged in hauling or transporting materials or merchandise for unrelated concerns when the haulage or transport charge is based on truckload or partial truckload, the cumulative weight of the materials/merchandise is being transported, the distance or mileage that the materials/merchandise is being transported, an hourly rate, or a flat contract price for the consignment.

Operations Also Included

1. Dispatchers and/or clerks on loading platforms, drivers, chauffeurs and their helpers and employees repairing vehicles.
2. The transporting or delivery and setting into place at customers’ locations or furniture and/or major household appliances under contract for a manufacturer or store.

Operations Not Included

1. Assign Code 802 to specialist contractors engaged in the rental and/or leasing of cranes with operators.
2. Assign Code 805 to the hauling of unprocessed or processed milk, water or other liquid food products by tank truck.
3. Assign Code 808 to the delivery of envelopes, parcels or packages limited to 150 pounds or less where the delivery tariff or charge is allocable to the individual envelope, parcel or package.
4. Assign Code 812 to the hauling or delivery of mail involving letters, parcels, packages, sacks, pallets or rolling containers under contract to the United States Postal Service.
5. Assign Code 995 to rubbish or garbage collection or debris box rental/service and dumpster rental/service.
6. Assign Code 657 to rigging contractors, including rigging contractors who perform the over the road transportation of the items being rigged.

Underwriting Guide

Automobile Driveaway Or Truckaway Service
Automobile Hauler
Hauling Contractor
Trucking, N.O.C.

Classification Description

Applies to risks engaged under contract to the United States Postal Service for the hauling or delivery of mail involving letters, parcels, packages, sacks, pallets or rolling containers.

Includes U.S. Postal Service contract mail delivery performed on a bulk or individual item basis.

Underwriting Guide

Mail Delivery – Under Contract To United States Postal Service

Classification Description

For establishments principally engaged in either the cold storage or the warehousing or storage of general merchandise for unrelated concerns.

Underwriting Guide

Cold Storage
Merchandise Warehouse – Cold Or General Merchandise
Portable On Demand Storage – Rental – Delivery To And Pick Up From Customer Locations
Storage – Cold Or General Merchandise
Storage Warehouse, Public
Warehouse – Storage, Public
Warehousing – Other Than Furniture Moving And/or Storage

Operations Also Included

1. The dealer’s parts department.

Operations Not Included

1. Assign Code 819 to payroll developed by employees engaged in the sale of mobile, self-propelled factory, farm or construction equipment and to the mobile, self-propelled factory, farm or construction equipment dealer’s outside sales staff. See Code 819 for additional details.
2. Assign Code 855 to a business principally engaged in the rental or sale of construction equipment that is not mobile and self-propelled.

Underwriting Guide

Construction Equipment – Rental, Sales Or Service (In Shop Or At Customer’s Location)
Contractors Equipment – Rental, Sales Or Service (In Shop Or At Customer’s Location)
Crane Repair, Mobile, By Specialist Contractor
Equipment Dealer – Mobile, Self-Propelled – Factory, Farm Or Construction
Farm Machinery Dealer
Forklift Service and/or Repair – By Specialist Contractor (Shop Or At Customer’s Location)
Forklift Truck Dealer – Rental, Sales Or Service (In Shop Or At Customer’s Location)
Golf Cart – Rental, Sale and/or Maintenance – By Specialist Contractor
Mobile Crane Repair, By Specialist Contractor
Mobile Equipment Dealer – Factory, Farm Or Construction
Tractor Dealer, Including Servicing And Repair

Classification Description

Please see the “Automotive Dismantlers” entry in the General Auditing & Classification Information regarding how to classify a business whose operations include the dismantling of automobiles and/or other types of vehicles to recover useable/saleable used parts.

Operations Not Included

1. Assign Code 225 to tire recapping or retreading when performed by a separate crew of employees in a physically separate work area.
2. See the Code 934 Section 2 class description for how to classify a new and/or used auto parts store that also provides automobile repair services.
3. Please refer to the “Automotive Service/Gasoline Station” entry in the General Auditing & Classification Information for information on classifying such business enterprise.

Underwriting Guide

Air Conditioning Systems, Automobile Or Truck Installation, Service Or Repair
Automobile Body Repairing
Automobile Paint Shop
Automobile Radiator Repair Shop
Automobile Repair Garage
Carriage Repairing
Customizing Vans
Fender Repairing, Automobile
Frame Straightening On Automobiles
Garage, Automobile Or Truck
Glass Installer, Automobile
Maintenance Of Buses, By Public Garage
Quick Oil Change And Lubrication Garage
Rubber Tire Dealer, Retail
Taximeter Installation Or Repair
Tire Dealer, Retail
Towing Company
Truck Repair Garage
Van Conversion Or Customizing
Wagon Repairing

Classification Description

Please see the Automobile Service/Gasoline Station and the Self-Service Gasoline Stations and Convenience Grocers entries in the General Auditing & Classification Information section for information on classifying such business enterprises.

Underwriting Guide

Car Wash
Gasoline Station, Retail – Exclusively Gasoline Sales
Truck Washing Service – Permanently Sited

Operations Also Included

1. Assign Code 817 to specialist contractors transporting human remains for funeral homes, coroners’ offices, etc.

Operations Not Included

1. Assign Code 828 to a business operating a paratransit service.
2. Assign Code 951 to separate staff engaged as tour guides.
3. Assign Code 803 to a business operating a vehicle(s) that is available for immediate hire (on call and demand basis) with the fare to be determined by zone or meter.
4. Assign Code 804 to an independent contractor engaged in the transportation of students to and from school.
5. Assign Code 807 to an ambulance service staffed by salaried employees.

Underwriting Guide

Automobile Rental Company With Drivers (Limousine Service)
Bus Operation, Scheduled Lines
Charter Bus Service
Escort Service For Oversize Loads On Highways
Funeral Escort Service (Motorcycle)
Limousine Services
Maintenance Of Buses, By Bus-Operating Company
Motorcycle Funeral Escort Service
Oversize Loads On Highways – By Specialist Escort Contractor
Shuttle Service – By Specialist Contractor
Transporting Human Remains, By Contractor

Classification Description

Also includes but is not necessarily limited to: inland boat dealers, mobile home dealers, recreational vehicle dealers or specialist contractors performing mobile home set-up or warranty service.

Operations Not Included

1. Assign Code 652 to modular home setup or erection, warranty service, remodeling or repair.

Underwriting Guide

Automobile Dealer – New and/or Used Cars
Automobile Rental – Not a Limousine Service
Automobile Salesperson
Boat Dealer, With Services, Inland
Mobile Home – Setup Or Warranty Service – By Specialist Contractor
Mobile Home Dealer
Motorcycle Dealer (Including Sale Of Accessory Merchandise Such As Clothing, Racing Gear, Etc.)
Recreational Vehicle Dealer
Trailer (All Types) Sales, Rental Or Leasing
Truck Dealer – New and/or Used Trucks
Truck Rental – Not a Hauling Contractor

Classification Description

Applicable to the sales staff of a business classified to Code 814. The mobile, self-propelled equipment salesperson’s duties include but are not necessarily limited to: showing the equipment to customers, explaining the various features, overseeing customer testing of the equipment, negotiating prices and coordinating financing with the dealer’s finance department. Also applies to the Code 814 business’ outside sales staff.

Operations Also Included

1. Automobile auctioneers, either independent or in conjunction with a business classified to Code 820. See Code 820 for additional details.
2. Automobile driving schools.

Underwriting Guide

Auctioneer, Automobile
Automobile Driver School

Classification Description

Applicable to businesses principally engaged in the auctioning of automobiles to automobile wholesalers, used car dealers, automobile dealerships or the general public. Also includes the auctioning of trucks and motorcycles. Also includes the operation of a snack bar or restaurant when conducted in conjunction with the auction.

Operations Also Included

0. Automobile auctioneers are assigned to Code 819.

Underwriting Guide

Auction, Automobile (Including Snack Bar Or Restaurant, Automobile Auctioneers To Be Assigned To Code 819)
Automobile Auction (Including Snack Bar Or Restaurant, Automobile Auctioneers To Be Assigned To Code 819)

Classification Description

Includes payroll developed by employees engaged as delivery salespersons, route salespersons and/or route supervisors engaged in the delivery of the insured’s merchandise to customers.

Underwriting Guide

Beer And Ale Dealer, In Keg Or Case Lots Wholesale
Beverage Distributing, Carbonated, Including Beer – Wholesale
Soft Drink Distributing – Wholesale

Classification Description

Applicable to employees who work from their personal residence by use of the internet, email, and telephone to perform clerical work. The personal residence of the telecommuter must be separate and distinct from the business of the employer. Telecommuters shall be exclusively engaged in clerical office type work including but not necessarily limited to: keeping the books or records of the employer, conducting correspondence and telephone duties (including inside sales by telephone).

An employee who interchanges between performing clerical office work at the employer’s place of business and performing clerical office work by telecommuting shall be assigned to Code 822 when more than 50% of the employee’s time is spent telecommuting. Such employees shall be assigned to Code 953 when 50% or less of their time is spent telecommuting. See Code 953 for information on the scope of that classification.

Operations Not Included

1. Code 822 may not be applied to telecommuters working for an employer that is assigned to a classification designated “All Employees Including Office.” Such employees must be classified in accordance with the employer’s applicable field of business classification.
2. A business that operates from a personal residence shall have employees who perform clerical office work at that personal residence assigned to Code 953, provided that the employer is not classified to a classification designated, “All Employees Including Office” and the office employees fulfill the criteria for assignment to Code 953. See Code 953 for additional details.
3. Not applicable to telecommuting employees who perform outside sales work, any duties directly related to the employer’s business operations, or any work necessary, incidental or related to the employer’s business operations, including but not necessarily limited to stock, tally, front desk or cashier duties.

Underwriting Guide

Telecommuting Clerical Employee

Classification Description

For automobile storage garages/parking stations/parking lots whose business is the storing or parking of automobiles. Includes cashiers who receive payment from customers.

Parking attendants on the payroll of enterprises such as hotels, restaurants, stores or theaters – not drive-in theaters – which operate parking facilities for their customers shall be rated with the enterprise.

Underwriting Guide

Airport Parking Facility (Including Valet Service To And From Airport) Operation By Contractor
Automobile Storage Garage
Parking Areas
Valet Parking, By Specialist Contractor

Classification Description

Paratransit service is regulated by the Federal Transit Administration pursuant to the Americans with Disabilities Act as amended. Each public entity operating a fixed route surface transportation system is required to provide paratransit service to the physically handicapped or otherwise disabled individuals who cannot take public transportation. Such individuals may be transported to doctor’s appointments, places of employment, stores, social venue or other destinations as needed. The public entity may outsource the provision of this service to an unrelated entity. A fare is charged for this service that may not exceed twice the fare charged for a trip in similar length, at a similar time of day as would be charged by the public entity’s fixed route system.

Underwriting Guide

Handicapped – Transportation Services For
Paratransit Service
Transportation Services for the Elderly
Transportation Services for the Handicapped

Classification Description

Applicable to establishments principally engaged in selling lumber and/or building materials on a wholesale or retail basis. The lumber may include but is not necessarily limited to: rough and dressed lumber, molding, doors, sashes, frames and other millwork. The building materials may include but are not necessarily limited to: roofing, siding, shingles, wallboard, brick, cement, ready-mix concrete, sand or gravel. This class also includes payroll developed in the delivery of hardware, lumber and/or building materials by the lumber/building material dealer.

Operations Also Included

1. The operation of a sales counter where the insured’s counter staff takes customer telephone, facsimile, Internet or walk-in orders for the lumber and/or building materials, accepts payment or charges the customer’s “house” account, and transfers the orders to the insured’s yard or warehouse staff. The counter staff may also sell merchandise from a counter display, display racks behind the counter and/or a display space in front of the counter.
2. The operation of a showroom where customers may view samples of the lumber and/or building materials sold and place orders for such.
3. The sale and mounting of door hardware onto a door by a door distributor.
4. The making of door frames by a door distributor.
5. A business principally engaged in the rental and/or sale of non-mobile and non-self-propelled construction equipment (e.g., temporary bridge sections, shoring equipment, and air compressors).

Operations Not Included

1. Separate manufacturing staff(s) in a physically separate work area(s) shall be separately classified as provided for in this Manual.
2. Separate staff performing erection or construction shall be separately classified as provided for in this Manual.
3. Assign Code 935 to the operations of a physically separate and separately-staffed retail store on the premises of a lumber and/or building material dealer that fulfills the multiple enterprise criteria discussed in Section 1, Rule IV, C., 3., a., 2. of this Manual.

Underwriting Guide

Asphalt Mixing Plant – Operated By Dealer
Building Material Dealer, New
Building Materials Dealer, Secondhand
Cemetery Monument Or Memorial, Cutting, Engraving and/or Polishing
Cinder Dealer
Commercial Lumber Yard
Concrete Dealer, Ready-Mixed
Concrete Mixing
Concrete Pumping Services – By Independent Contractor
Cut Stone Or Stone Products Mfg.
Door Or Window Distributor
Dry Ice Dealer
Engineered Hardwood Floor Dealer
Fence Dealer – All Types
Grain Elevator Operation
Hardwood Flooring Dealer
Heat Treating of Wood Packaging Material (Including Pallets) – By Specialist Contractor
Humus Or Topsoil Dealer – No Excavation
Ice Dealer – No Mfg.
Insulation Dealer
Kiln Drying of Lumber – No Sawmill Operations
Landscaping Supplies Dealer (e.g., Mulch, Topsoil Or Stone)
Log Dealer – No Logging or Sawmill Operations
Lumber Cutting, Incidental Cutting To Size By Lumber Yard
Lumber Dealer
Lumber Yard, Secondhand Material
Manure Dealer
Marble Cutting And Polishing
Metal Road Plate Rental
Millwork, Hand Assembling Or Glazing, Not Performed By A Millwork Plant
Monument Or Memorial (Cemetery) Cutting, Engraving and/or Polishing
Mortar Mfg., No Construction Work
Mulch Dealer
Non-Mobile & Non-Self-Propelled Construction Equipment – Rental Or Sale
Paving Mixtures Mfg.
Peat Moss Dealer
Plywood Dealer
Ready-Mixed Concrete Dealer
Rental Or Sale Of Non-Mobile & Non-Self-Propelled Construction Equipment
Sash, Door Or Finished Millwork Dealer
Sawdust Dealer
Secondhand Building Material Dealer
Soapstone Products Mfg.
Stone Cutting Or Polishing – Not By A Mine Or Quarry Operator
Topsoil Or Humus Dealer – No Excavation
Vanities Assembly – Marble
Window Or Door Distributor
Wood Dealer, Kindling And Firewood
Wood Preserving

Classification Description

Applicable to a business principally engaged in the sale and distribution of new ferrous or nonferrous metal merchandise generally obtained from new metal producers such as steel mills or smelters, including but not necessarily limited to: beams, sheet stock in coils, bars, rods, rounds, channel iron, angles or plates. Such business may handle a broad variety of new metal merchandise or specialize in handling a single type.

The new metal merchandise received by the business is unloaded and stored. The new metal merchandise may be shipped “as is” to the customer or it may be cut, slit, sheeted, bent or burned into the size or shape required by the customer and delivered by truck or rail. The processing equipment may include but is not necessarily limited to: sheeters, hacksaws, drills, benders or cutting torches.

Specialists principally engaged in the sale of reinforcing rods or bars to concrete contractors (including the cutting or forming of the rods or bars according to the contractors’ specifications) are also assigned to Code 857, as are dealers principally engaged in selling wire rope, cable or metal conduit.

Further applicable by analogy to businesses engaged in the toll (fee) leveling or cutting of ferrous or nonferrous new metal to size for unrelated concerns. These enterprises do not own the new metal stock they level, sheet, cut, bend or burn, nor do they fabricate a product.

Where a dealer sells several types of merchandise, each of which may be subject to a different classification, such dealer shall be assigned on the basis of the principal category of merchandise sold. The term “principal” means more than 50 percent of the gross receipts.

Operations Not Included

0. Not applicable to businesses principally engaged in collecting or handling either ferrous or nonferrous scrapmetal. Assign ferrous scrap dealers to Code 858. Assign nonferrous scrap dealers to Code 859.

Underwriting Guide

Cable Or Wire Rope Dealer, Including Splicing
Coil Stock Or Sheet Stock Dealer
Iron Or Steel Merchant, New Materials Only
Metal Service Center (Ferrous Or Nonferrous Metals)
Reinforcing Rods or Bars Dealer
Sheet Stock Or Coil Stock Distributor
Steel Or Iron Merchant, New Materials Only
Wire Rope Or Cable Dealer, Including Splicing

Classification Description

Applicable to businesses principally engaged in collecting and handling ferrous metals. Ferrous metals contain iron and include any type of steel or any steel alloy such as stainless steel.

The term “principally engaged” means more than 50 percent of the employer’s gross receipts.

Operations Also Included

1. Businesses principally engaged in collecting and handling ferrous scrap and also performing automobile dismantling to recover saleable used auto parts.

Underwriting Guide

Iron Or Steel Scrap Dealer
Scrap Metal Dealer – Ferrous Metals
Steel And Steel Alloy Scrap Dealer (Including Stainless Steel)

Classification Description

Applicable to businesses principally engaged in collecting and handling nonferrous metals. Nonferrous metals contain no iron and include but are not limited to: aluminum, copper, brass, lead or zinc.

The term “principally engaged” means more than 50 percent of the employer’s gross receipts.

Operations Also Included

1. Businesses principally engaged in collecting and handling nonferrous scrap and also performing automobile dismantling to recover saleable used auto parts.

Operations Not Included

1. Assign Code 402 to businesses principally engaged in the melting of nonferrous scrap to produce ingots.

Underwriting Guide

Aluminum Scrap Metal Dealers (Other Than Beverage Cans)
Brass Scrap Dealer
Copper Scrap Dealer
Lead Scrap Dealer
Scrap Metal Dealer – Nonferrous Metals

Classification Description

For businesses collecting and handling a combination of ferrous and/or nonferrous scrap metal and other secondhand commodities (e.g., paper, glass ((including glass bottles)), rubber, rags or plastic ((including plastic bottles)) with no principal line of merchandise.

Operations Also Included

1. Processing of scrap or secondhand commodities by the junk dealer may include but is not necessarily limited to: cutting of salvaged metal and bailing paper or rags.

Operations Not Included

1. WRECKING OR DEMOLITION PROJECTS shall be classified as delineated in the General Auditing & Classification Information section.
2. Assign Code 858 to a business principally engaged in collecting or handling ferrous scrap metal.
3. Assign Code 859 to a business principally engaged in collecting or handling nonferrous scrap metal.
4. Assign Code 862 to a business principally engaged in collecting or handling one or more of the following recyclable commodities: cloth clippings, rags, paper, glass, plastic, rubber stock or aluminum beverage cans.
5. Assign Code 862 to a specialist contractor principally engaged in shredding paper or destroying documents for unrelated concerns.

Underwriting Guide

Junk Dealer

Classification Description

Applicable to businesses principally engaged in collecting or handling recyclable commodities including but not necessarily limited to: cloth clippings, rags, paper, glass, plastic, rubber stock and/or aluminum beverage cans. Includes consolidation facilities, where the recyclable commodities are simply collected, sorted, baled and resold, and reprocessing facilities, where the recyclable commodities are processed prior to resale. Processing may include but is not necessarily limited to: grinding plastic, pulverizing glass and crushing aluminum beverage cans.

Operations Also Included

1. Businesses principally engaged in shredding paper or destroying documents for unrelated concerns. Such operations may be conducted at customer locations by the use of mobile equipment or at a centralized shredding facility.
2. Businesses principally engaged in disassembling, dismantling or shredding electronic devices including but not necessarily limited to: computers, computer peripherals (e.g., keyboards) and televisions.

Operations Not Included

1. Assign businesses collecting a combination of recyclable products and scrap metals with no principal line of merchandise to Code 860.
2. Assign dealers in cloth clippings, new goods only, to Code 924.

Underwriting Guide

Beverage Can Recycling
Bottle Dealer, Used
Broken Glass Dealer
Can Recycling – Beverage
Cloth Clippings Dealer, Used
Container Recycling – Beverage – Bottle Or Can
Cullet Dealer – Broken Or Refuse Glass
Document Destruction Or Shredding Service
Laundry, Waste Cloth, Operated By Dealers In Used Materials
Paper Dealer, Used
Plastics Dealer – Scrap
Rubber Stock Dealer, Used
Tire Dealer – Used – For Recycling (May Include Shredding)
Used Tire Dealer- For Recycling (May Include Shredding)
Waste Paper Dealer

Classification Description

Applicable to employers principally engaged in one or more of the following operations:

The catching of live poultry as contractors on producers’ premises and the hauling by poultry catchers of live poultry to dressing plants.

The dressing (to kill and prepare for market) of poultry, rabbits or other similar small game.

The making of either processed poultry or fish products. The term processed shall mean that definite changes result in the poultry or fish product due to the application of either chemical and/or heat (the use of smoke and/or cooking).

Wholesale sale/distribution of poultry or fish including the cutting or deboning of dressed poultry and/or the cutting or filleting of fish. The employer may also bread or stuff the product.

Operations Not Included

1. Wholesale poultry and/or fish dealers who perform no cutting or filleting, but who may repackage the poultry or fish shall be assigned to Code 924.
2. Poultry dealers who may cut whole poultry into parts on an emergency basis will be construed as non-cutting and assignable to Code 924.

Underwriting Guide

Chicken Catching
Chicken Dressing (To Kill And Prepare For Market)
Fish Curing/Processing
Fish Dealer (Including Cutting Or Filleting) – Wholesale
Poultry Dealer (Including Cutting Or Deboning) -Wholesale
Poultry Or Small Game Dressing (To Kill And Prepare For Market)
Rabbits – Slaughtering, Dressing And Packing For The Trade
Small Game Dressing And Packing
Turkeys – Slaughtering, Dressing And Packing For The Trade

Classification Description

Applies to an employer principally engaged in the operation or contract management of a building or buildings with multiple residential living units. Includes apartment houses, condominium complexes and cooperative buildings. A cooperative is a type of residential property where the resident owns shares in the corporation that owns the building and has the right to live in a specific unit but does not actually own the space.

Operations Also Included

1. An association formed for residents of a building or buildings with multiple residential living units (e.g., a condominium association).

Operations Not Included

1. Assign Code 888 to an association responsible for the governance of a residential planned community consisting of single family dwellings. See Code 888 for further information.

Underwriting Guide

Apartment House Or Condominium Complex Operation
Condominium Association
Condominiums – Including Resident Or On-Site Manager
Cooperative Building Operation – For Residential Occupancy
Porters For Condominiums
Residential House Rental

Classification Description

Applicable to businesses principally engaged in providing interior cleaning services to residential customers. The cleaning services may include but are not necessarily limited to: dusting, mopping floors, vacuuming rugs or carpets, cleaning or sanitizing bathrooms or wiping or cleaning kitchen or bathroom fixtures.

Operations Not Included

1. Assign Code 971 to payroll developed in the power washing of exterior walls or decks at residential or commercial sites.

Underwriting Guide

Chimney Cleaning – Residential
Domestic Interior Cleaning Service Contractor
House Cleaning By Contractor – Interior
Maid Service Contractor – Interior
Residential Interior Cleaning Services – By Contractor

Classification Description

A facility providing exercise programs (e.g., aerobics classes) for their members and, in some cases, the general public. Attendants will evaluate the type of equipment best suited to individual member needs and will assist members in exercise instruction or weight loss. The available equipment and services may vary from club-to-club. A club’s exercise equipment may include but is not necessarily limited to: free weights (e.g., dumbbells and barbells) and other equipment (e.g., a cardio theater) that includes various types of equipment related to cardiovascular training, such as rowing machines, stationary exercise bikes, elliptical trainers or treadmills.

Larger clubs may employ personal trainers who are accessible to members for training, exercise, nutrition and/or health advice and consultation. Personal trainers may devise a customized fitness plan to assist members achieve their goals. They may also demonstrate exercises and monitor the member’s exercises.

Operations Also Included

1. Health shops, snack bars, childcare facilities, member lounges and/or cafes operated by the health or exercise club.

Operations Not Included

1. Assign Code 968 to indoor facilities principally engaged in amateur sports training (e.g., basketball, ice hockey, boxing, gymnastics, martial arts, tennis or swimming).
2. Assign Code 970 or Code 991 to professional or semiprofessional sports teams as delineated in this Manual.
3. Assign a day spa not affiliated with a health or exercise club to Code 977. A day spa is a business which provides a variety of services for the purpose of improving health, beauty and relaxation through personal care treatments such as massages and facials.

Underwriting Guide

Aerobics Studio
Club, Exercise
Club, Health
Exercise Club
Fitness Club
Fitness Instructor – By Independent Contractor – No Permanent Facility
Health Club
Health Or Exercise Club
Pilates Studio
Tai Chi Instruction
Yoga Studio

Classification Description

Applies to dealers principally engaged in the wholesale selling of plumbing supplies, tubes or pipe. The term plumbing supplies as used in this classification includes but is not necessarily limited to: water heaters, water pumps, kitchen/bathroom fixtures (i.e., sinks, faucets, toilets, bath tubs, shower stalls), fittings or valves. Also included is the selling of tubes or pipe of all types and sizes. Businesses principally engaged in the wholesale sale of heating, ventilating and/or air conditioning equipment, supplies or parts are further contemplated by this classification.

Underwriting Guide

Gas, Steam Or Hot Water Apparatus Supplies Dealer – Wholesale
Heating, Ventilating Or Air Conditioning Equipment Or Parts Dealer – Wholesale
Kitchen and/or Bath Fixture Dealer
Pipe Or Tube Merchant, Including Cutting, New Materials Only – All Types And Sizes
Plumbing Supplies Dealer – Wholesale
Refrigeration System Parts and/or Accessories Dealer – Wholesale

Classification Description

Applies to dealers principally engaged in the wholesale selling of electrical supplies. The term electrical supplies as used in this classification includes but is not necessarily limited to: electric wire, electrical (junction) boxes, fuses, switches, outlets, circuit breakers or lighting fixtures. This classification shall also include dealers in electronic components/accessories. Examples of electronic components/accessories include but are not limited to: inductors, resistors, circuit boards, transistors and relays.

Underwriting Guide

Electrical Supply Dealer – Wholesale
Electronic Components and/or Accessories Dealer – Wholesale
Lighting Fixtures And Supplies Dealer

Classification Description

An establishment devoted to the procurement, preservation and display of objects of cultural interest. Includes all types of museums (e. g., art, archaeology, children’s, history, natural history, or technology). Also includes all of a museum’s operations, which may include but are not necessarily limited to: galleries, curatorial space, auditoriums, movie theaters, lecture halls, classrooms for art instruction, storerooms, conservation or restoration laboratories, gift shops or eating facilities.

Operations Also Included

1. A separately staffed and located museum operated by a municipal government (e.g., borough, city or township).

Underwriting Guide

Museum – All Types

Classification Description

Applies to an association responsible for the governance of a residential planned community consisting of single family dwellings (e.g., detached houses or townhomes). Pursuant to Section 81-302 of the Delaware Uniform Common Interest Ownership Act (DUCIOA) of the Delaware Code, an association is empowered to regulate the use, maintenance, repair and modification of the common elements of the community. Code 888 applies but is not necessarily limited to association staff performing lawn maintenance, maintenance and repair of common elements e.g., streets and roads, and the operation and maintenance of amenities for residents of the community e.g., swimming pools, tennis courts, health or fitness facilities, and community centers or clubhouses.

Operations Also Included

1. Security of the planned community by the Homeowners Association staff.
2. The operation of a mobile home park.

Operations Not Included

1. Assign the applicable restaurant classification to payroll developed in a physically separated and separately staffed prepared food and/or beverage service.
2. Assign Code 944 to payroll developed in the operation of a separately staffed golf course.
3. Assign Code 753 to payroll developed in the operation of a separately staffed sewage disposal plant and/or water supply system.
4. Assign Code 801 to payroll developed in the operation of a separately staffed horse stable.
5. Assign Code 716 to payroll developed in the operation of a separately staffed marina (State Act coverage only).
6. Assign Code 880 to an employer principally engaged in the operation or contract management of a building or buildings with multiple living units such as an apartment house, condominium complex or cooperative building and to an association established for the residents of such building or buildings.

Underwriting Guide

Association Mobile Home
Gated Community Homeowners
Park
Residential Planned Community
Unit Owners Association (For a Residential Planned Community)

Classification Description

Establishments in which books, magazines, manuscripts, musical scores, videos, compact audio discs or other literary or artistic materials are kept for use by the general public. Materials may be taken from the library for specified time periods or they may be restricted to use on the library’s premises. Library patrons who wish to borrow library materials are generally library members and may pay an annual fee for that privilege. A library’s services may also include but are not necessarily limited to: providing Internet access, sponsoring lectures, workshops or seminars, classes in adult literacy, storytelling or summer reading programs for children, providing photocopiers for public use (for a per page fee), providing meeting space for local organizations or bookmobiles.

Operations Also Included

1. A separately staffed and located public library operated by a municipal government (e.g., borough, city or township) or school district.

Operations Not Included

1. A library operated by a college or school for its students, faculty and staff will be assigned to the appropriate school classification.
2. A library operated by a company (e.g., hospital, law firm or newspaper) will be assigned to the classification consistent with the employer’s business. A library operated by a museum for its staff will be assigned to Code 887.

Underwriting Guide

Library – Public
Public Library

Classification Description

Includes but is not necessarily limited to nursery schools, Head Start, kindergarten or child daycare services.

Child daycare services provide for care and custody of children for various periods of time during the day (no residential facilities), typically during normal business hours (i.e., from 6:30 a.m. to 6:00 p.m., Monday through Friday).

Also applicable to employers principally engaged in operating nursery schools or kindergartens. Nursery schools are generally directed towards children ages three to four years, can be academically oriented and are designed to provide children with basic educational and social skills prior to the time they begin elementary school.

Kindergartens are pre-elementary school classes and are typically provided to children five-years-old. Sessions are usually held for one-half the school day (i.e., children may be enrolled in “morning” or “afternoon” classes) and will include a very basic academic curriculum.

Further contemplated by this classification are employers operating the Head Start Program. Head Start is a federally-funded child development program that provides early education, health, nutritional and psychological services to three- to four-year-old children of low-income families. Some Head Start Programs will also provide for social services to low-income families and for child daycare. This program endeavors to enhance economically disadvantaged children’s educational status and social skills to a level sufficient for them to enter elementary school.

Operations Not Included

1. A child daycare center operated by an employer principally for the use of its own employees is not subject to Code 891 and shall be included in that employers applicable field of business classification.
2. Assign Code 965 to a day nursery school, pre-k or kindergarten, or child day care center operated by a school district or by an employer principally engaged in operating an elementary school.

Underwriting Guide

Before and/or After School Program
Child Daycare Center
Day Nursery – Children
Daycare Center For Children
Head Start Program
Kindergarten, Not Operated In Conjunction With Grade School
Nanny Service -By Specialist Contractor
Pre-School – Early Education Services – By Independent Contractor