Definitions

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

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.

This definition is the same as the “all employees including office” definition above except for the designated separate personnel (e.g., home health care and home care services), which shall be subject to separate classification as provided for in this Manual.

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.

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.

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

Includes all workers’ compensation pricing programs filed by DCRB with and approved by the Insurance Commissioner. Such include but are not limited to: the assignment by DCRB 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 Delaware Construction Classification Premium Adjustment Program, or the discount or surcharge applied to a business eligible for the Merit Rating Plan.

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.

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 or the residual market’s highest-valued classification representing any part of their work.

House Bill 430 of 2004 (amending §2607, Title 18 of the Delaware Code) permits an insurer to develop a subclassification or sub classifications to the DCRB’s classification system as approved by the Insurance Commissioner. The developing insurer shall file any such sub classification(s) with the DCRB and the Insurance Commissioner at least thirty (30) days prior to the proposed effective date for such sub classification(s). The insurer’s filing shall demonstrate that exposure and loss data produced under any proposed sub classification(s)can be reported to the DCRB consistent with the DCRB’s uniform classification system and Statistical Plan. The Insurance Commissioner must disapprove any sub classification filing for which such demonstration is not satisfactorily made.

A temporary staffing contractor hires employees and assigns those employees to an unrelated business for temporary work assignments varying in duration from one day to any period less than one year. Temporary staffing classifications are identified by a four-digit number that is 2,000 greater than the corresponding direct employment classification. For example, for direct employment classification 323, the corresponding temporary staffing classification is 2323. The corresponding temporary staffing classification for each direct employment classification, where applicable, is identified in the direct employment classification’s entry in the Section 2 –Alphabetic Classification Underwriting Guide. Refer to the Temporary Staffing Contractors entry in the General Auditing & Classification Information section of this Manual for additional detail regarding the classification procedure for temporary staffing contractors.