RULE XIV – DOMESTIC WORKERS - RESIDENCIES

1. Please refer to the “Agriculture” in Section 2 of this Manual. Agriculture is included in Codes 0006, 0008, 0011, 0013, 0016, 0034, 0036 and 0083. For definitions of individual agricultural classes please see the Farms class listing in Section 2.
2. Inside Domestic Workers – Domestic Workers—Inside are employees engaged exclusively in household or domestic work performed principally inside the residence. Examples include a cook, housekeeper, laundry worker, maid, butler, companion, nurse and babysitter.
3. Outside Domestic Workers – Domestic Workers—Outside are employees engaged exclusively in household or domestic work performed principally outside the residence. Examples include a private chauffeur and a gardener.
4. Occasional Domestic Workers – Domestic Workers—Occasional are domestic workers, inside or outside, who are employed part-time. Any domestic worker employed more than one half of the customary full time shall be assigned and rated as a full-time domestic worker. Examples of occasional domestic workers are persons engaged on certain days for gardening, cleaning, laundering or babysitting.

1. Workers Compensation and Employers Liability Insurance.
2. By Voluntary Compensation Insurance.Agricultural and domestic workers are not included within the workers compensation law. Voluntary compensation insurance for agricultural and domestic workers may be provided by attaching the standard Voluntary Compensation Endorsement to a workers compensation policy.
3. Also, agricultural and domestic workers may elect to come under the Workers Compensation Act. This coverage is provided by the standard policy.

The resident owner, the estate of the owner or a family member(s) of the same residence may be named as the insured, but only with respect to the employment of domestic workers in connection with a given residence

1. Please refer to the Section 2 Domestic Workers class listing for the Domestic Workers classifications.
2. Please refer to the Section 2 Farms class listing for the agricultural classifications.
3. Maintenance, Repair Or Construction Operations
   a. The domestic services classifications (Codes 0913, 0908, 0912 and 0909) include ordinary repair or maintenance of the insured’s personal residence or equipment by domestic workers.b. Assign Code 971 to payroll developed in the general building maintenance or repair by employees of a commercial building owner, lessee or real estate management firm or business where the basic and major operations are described by classifications defined as standard exceptions.

   c. Assign Code 880 to payroll developed in general building maintenance or repair by employees of an apartment house or condominium complex operator.

   d. Assign the employers’ applicable field of business classification to payroll developed in general building maintenance or repair by employees of a business assigned to a classification other than the standard exceptions.

   e. Assign the applicable construction or erection classifications to payroll developed in extraordinary repairs, alterations, new construction, erection or demolition of structures.

1. DCRB Rating ValuesThe DCRB Rating Values for Codes 0908, 0909, 0912 and 0913 are per capita premium charges. Terrorism (9740) and Catastrophe (other than Certified Acts of Terrorism) (9741) do not apply to per capita classification premium charges.
2. Records RequiredThe insured shall maintain a record of the names, duties and period of service of each domestic worker.
3. Full Time Domestic WorkersEstimated premium for Codes 0912 and 0913 shall be computed on the estimated number of such domestic workers during the policy period. If additional domestic workers under Codes 0912 and0913 are employed during the policy period or if some domestic workers are no longer employed and are not replaced, the per capita premium charges shall be pro-rated. Each pro rata charge shall be based on the period of employment but shall not be less than 25% of the per capita charge.
4. Occasional Domestic WorkersA separate per capita charge shall be applied to each concurrently employed domestic worker.

An approved schedule rating plan shall be applied to the premiums for domestic workers.