Section 2 – Classifications and DCRB Rating Values

ALL EMPLOYEES EXCEPT OFFICE:  There is no payroll division between a business classification designated “all employees except office” and Code 951.  Such business classification contemplates all salespersons, including but not necessarily limited to over-the-road salespersons, floor salespersons, inspectors, interior designers or decorators employed by any business assignable to that classification.

ALL EMPLOYEES INCLUDING OFFICE:  There is no payroll division between a business classification designated “all employees including office” and Code 951, Code 953, and Code 822.  Such business classification contemplates all salespersons employed by any business assignable to that classification.   Such classification also contemplates clerical office personnel engaged in the administration of the business, regardless of whether the office personnel are located at or contiguous to the business’ location or a location separate from the business’ location.

ALL EMPLOYEES INCLUDING OFFICE EXCEPT WORKFARE OR HOME HEALTH CARE AND/OR HOME CARE SERVICES:  This definition is the same as the “all employees including office” definition above except for the designated separate personnel (e.g., workfare, home health care and home services), which shall be subject to separate classification as provided for in this Manual.

N.O.C.:  Not Otherwise Classified. A classification so designated is to be assigned when there are two or more potential classification assignments, and there is no specific Underwriting Guide entry for a business’ principal product or line of merchandise.  For example, in the event there is no Underwriting Guide entry for a principal line of merchandise being sold wholesale, the assignment is Code 924.

PRINCIPAL: When a store sells several types of merchandise, each of which may be subject to a different classification, such store shall be classified based on the principal category of merchandise sold. The term “principal” means more than 50 percent of the business’ overall revenue.

PRINCIPALLY ENGAGED: The business activity that generates more than 50 percent of a business’ overall revenue.

RATING SYSTEM: Includes all workers’ compensation pricing programs filed by PCRB with and approved by the Insurance Commissioner. Such include but are not limited to: the assignment by PCRB of an individual business to a particular classification, the continuation or discontinuation of an entity’s(ies’) previous experience to the experience rating of new ownership, revision of losses used in a business’ experience modification or merit rating, an individual business’ eligibility for and/or the percentage of credit under the Pennsylvania Construction Classification Premium Adjustment Program, or the discount or surcharge applied to a business eligible for the Merit Rating Plan.

TO BE SEPARATELY CLASSIFIED OR SEPARATELY CLASSIFY: When either of these terms is found in a classification’s definition, the specified task designated “to be separately classified” or “separately classified” must be separately staffed by non-interchanging personnel.

TO BE SEPARATELY RATED OR SEPARATELY RATE:  When either of these terms is found in a classification’s definition, the payroll of personnel interchanging between that classification’s tasks (e.g., shop) and also performing the specified function that is designated “to be separately rated” or “separately rate” (e.g., erection, installation) may be divided between that class and class(es) designated for the specified function, provided the employer’s original payroll records show an allocation of payroll to both classifications for each interchanging employee. Estimated or percentage allocation of payroll is not permitted. When separate payroll records are not maintained, the entire payroll of the interchanging employees shall be assigned to the insuring carrier’s highest valued classification representing any part of their work.