Workers’ Compensation Eligible “Bind Online” Class Codes
Code | Segment | Description | Comments |
2003 | Store – 4 Wall | Bakery – Salespersons & Drivers | More of a Mfg code – may have payroll split with 8017 or a restaurant code. |
2004 | Store – 4 Wall | Bakery – Retail – All Operation | |
2581 | Laundry | Laundry – All Kinds – & Drivers | |
2583 | Laundry | Dry Cleaner & Drivers | |
2589 | Laundry | Laundry and Dry Cleaning Store Retail & Route Supervisors, Drivers | |
2590 | Laundry | Dry Cleaning or Laundry—Retail—& Route Salespersons, Drivers | |
4149 | Mfg – Noc | Optical Goods Mfg. NOC | |
4150 | Mfg – Noc | Optical Goods Mfg. NOC | |
4361 | Mfg – Noc | Photographer – All Employees & Clerical, Salespersons, Drivers | |
4692 | Mfg – Noc | Dental Laboratory | |
7607 | All Other | Video Post Production | Does not apply to firms engaged in motion picture production, television production, audio/music recording or mixing |
7998 | Store – 4 Wall | Stores:—Hardware Store—Retail | Includes locksmiths – consider off premises exposure. |
7999 | Store – 4 Wall | Stores:—Hardware Store—Wholesale | |
8001 | Store – 4 Wall | Store: Florist & Drivers | |
8008 | Store – 4 Wall | Store: Clothing, Wearing Apparel or Dry Goods—Retail | |
8010 | Store – 4 Wall | Store: Hardware | Watch for 24 hour locksmiths |
8012 | Store – 4 Wall | Quick Printing | |
8013 | Store – 4 Wall | Store: Jewelry | Wholesale or retail. For Optical Stores – sale of eyewear more than 50% of receipts |
8015 | Store – 4 Wall | Quick Printing—Copying or Duplicating Service – All Employees & Clerical, Salespersons, Drivers | |
8016 | Store – 4 Wall | Photocopy Shops—All Employees—& Clerical, Outside Salespersons, Drivers | |
8017 | Store – 4 Wall | Store: Retail—NOC | No pawn shops, sale of fireworks, pornography or related material, pet stores that do animal grooming or have exotic pets, smoke / vapor / hookah or marijuana shops, medical or otherwise. |
8025 | Store – 4 Wall | Stores:—Bicycle—Retail | |
8029 | Store – 4 Wall | STORE: HARDWARE—WHOLESALE | Also automotive parts |
8031 | Store – 4 Wall | Store: Meat, Fish, or Poultry—Retail | |
8032 | Store – 4 Wall | Store: Clothing, Wearing Apparel or Dry Goods—Wholesale | |
8036 | Store – 4 Wall | STORE: HARDWARE—RETAIL EXCLUSIVELY | Also automotive parts |
8039 | Store – 4 Wall | Store: Department—Retail | >50% of sales must be a combination of wearing apparel, linens/domestics and house furnishings plus 1 or more of other types of merchandise. Minimum payroll applies: $650k for NCCI, $900k for NY, $1m in CA. |
8043 | Store – 4 Wall | Stores:—Retail Store NOC—Including Service of Food—Not Restaurants | Includes bagel shops |
8045 | Store – 4 Wall | Store: Drug—Retail | |
8046 | Store – 4 Wall | Store: Automobile Parts and Accessories NOC & Drivers | |
8047 | Store – 4 Wall | Store: Drug—Wholesale | |
8068 | Store – 4 Wall | Art Gallery & Clerical | |
8069 | Store – 4 Wall | Cellular Telephone Store – Retail | |
8072 | Store – 4 Wall | Store: Book, Record, Compact Disc, Software, Video, or Audio Cassette—Retail | Watch for adult entertainment related risks |
8292 | Warehouse | Storage Warehouse NOC | Often misclassified – these are products of others – insured has no equity in the products being stored. Height exposures within warehouse. Self storage only |
8721 | Sales | Real Estate Appraisal Company—Outside Employees | Similar to 8720 but lighter hazard – not as involved in physical conditions. |
8723 | Clerical | Insurance Companies – Including Clerical & Salespersons | May also have 8720 exposures for loss control or outside claims adjusters. Includes insurance agencies. |
8742 | Sales | Salespersons or Collectors —Outside | Standard Exception code |
8753 | Store – Yard | Coffee, Tea, or Grocery Dealer—Retail – & Drivers | This is house to house sales. |
8799 | Clerical | Mailing or Addressing Company or Letter Service Shop – Clerical Staff | Use with 8800 |
8800 | Mfg – Noc | Mailing or Addressing Company or Letter Service Shop | |
8803 | Clerical | Auditor, Accountant or Computer System Designer or Programmer—Traveling | |
8809 | Clerical | Executive Officers NOC—Not Foremen, Workers or Salespersons | Beware of misclassification. It does not apply to any executive officer who as a regular and frequent part of his/her duties performs such work as is ordinarily undertaken by a foreman, worker or salesperson. |
8810 | Clerical | Clerical Office Employees NOC | |
8820 | Clerical | Attorney—All Employees & Clerical, Messengers, Drivers | |
8832 | Medical | Physician & Clerical | Avoid emergency room physicians; avoid clinics specializing in contagious diseases and abortion clinics |
8838 | Clerical | Museums – – all employees – – including clerical office employees. | |
8840 | School | Religious Organization: Professional Employees & Clerical | Watch for mission work |
8855 | Clerical | Banks and Trust Companies – All Employees, Salespersons, Drivers & Clerical (New code – NCCI in 2012) | |
8860 | Clerical | Accounting Firm – All Employees | |
8989 | Residential | Domestic Workers – Residences | |
9012 | Bldg Ops | Buildings—Operation by Owner, Lessee or Real Estate Management Firm: Professional Employees, Property Managers and Leasing Agents & Clerical, Salespersons |
Includes clerical usually written with 9015. |
9013 | Bldg Ops | Condominiums or Cooperatives – All Employees | |
9014 | Bldg Ops | Janitorial Services By Contractors – No Window Cleaning Above Ground Level & Drivers | No tenting or fumigating for Exterminators. No exterior work above ground level |
9015 | Bldg Ops | Buildings—Operation by Owner, Lessee or Real Estate Management Firm: All Other Employees | No exterior work above ground level |
9028 | Bldg Ops | Building Operation NOC—Dwelling or Combined Dwelling and Commercial Occupancy | No exterior work above ground level |
9053 | Club | Exercise or Health Institutes | No trampolines in other states. Avoid risks that focus on gymnastics or cheerleading / 9053 – MI is Home for Aged – Ineligible code in MI. |
9055 | Club | Exercise or Health Institute | No trampolines. Avoid risks that focus on gymnastics or cheerleading |
9061 | Club | Clubs—NOC & Clerical | |
9065 | Club | Clubs—Tennis, Racquetball, Handball—Indoor | No trampolines |
9071 | Restaurant | Restaurant:–Full – Service–including entertainers and/or musicians | |
9072 | Restaurant | Restaurant:–Fast Food & Drivers | |
9079 | Restaurant | Restaurant NOC | |
9082 | Restaurant | Restaurant NOC | |
9083 | Restaurant | Restaurant: Fast Food | |
9107 | School | Church – Non – Professional Employees & Drivers | |
9585 | Store – 4 Wall | Shoe Repair Shop | |
9586 | Store – 4 Wall | Barbershop, Beauty Parlor or Hair Styling Salon | Watch for alleged contract workers; group transportation – some owners pick up employees. Not a market for tattoo parlors or tanning salons if that is primary business. |
9620 | All Other | Funeral Director & Drivers |