Learn about workers compensation code 8810 - clerical office employees - NOC (not otherwise classified). This NCCI classification code is one of the least expensive and using it properly can help reduce the cost your workers comp premium.
Workers Compensation Code 8810
One of the most common questions insurance agents receive relates to worker's compensation class codes. These four-digit codes are used by insurance companies to categorize specific types of employment. Each one of these categories has a certain level of risk associated with it. The higher the risk, the higher the insurance premiums are for the employer. It is important to accurately identify the risk classification so that the amount of insurance purchased by the company is appropriate.
These codes may be changed when you have your yearly premium and payroll audit completed. In certain cases, the auditor may switch certain codes around, making it important to understand the difference between each code. In particular, you should know what workers compensation code 8810 - Clerical office employees refers to, as it is one of the most common classification codes. Switching an employee to or from this code can have a huge impact on your insurance premiums.
What Is Class Code 8810?
Workers compensation code 8810 refers to administrative and clerical work. This code is the same throughout the United States, including the monopolistic ones. In most cases, this is the least expensive code, as it is associated with the lowest risk. Employees covered by this code are not considered to be at any risk for significant injury while on the job.
The Scopes Manual by the National Council on Compensation Insurance (NCCI) is used to identify the class code associated with each type of occupational work. The code is a four-digit number that represents all operations included under that classification.
The following states we are licensed in DO use the NCCI class code 8810 clerical office employees - NOC:
These states we are licensed in DO NOT use the NCCI class codes but still use 8810 for clerical office employees - NOC
These states we are licensed in DO NOT use the NCCI class codes and clerical office employees have different codes than 8810:
- California: CA Workers Comp Class Codes
- Delaware: DE Workers Comp Class Codes
- Pennsylvania: PA Workers Comp Class Codes
This code is not restricted to administrative assistants alone. In fact, the NCCI book contains nine pages listing the jobs covered by this code. They include administrative assistants, data entry clerks, and employees who work at inbound or outbound call centers.
Problems With This Designation
Obviously, having a large part of your workforce classified under workers compensation code 8810 - clerical office employees - NOC is advantageous for the employer. It keeps premiums way down, especially if there are other risks associated with the job description. However, misclassifying your employee could result in fines, penalties, and steeper insurance rates going forward. For that reason, you should be very careful when using this code.
There are numerous types of jobs that easily fall under workers compensation code 8810 - clerical office employees - NOC, including receptionists, assistances, and human resources workers. Make sure you consider all duties associated with those job descriptions before settling upon one classification. For example, if an office worker is routinely expected to take clients out for lunch, they could fall into another risk classification.
If an auditor deems that your 8810 employees are subjected to increased risks, and could qualify for both 8810 and another category, they automatically switch the employee to the highest risk category. This could can create a financial nightmare for an employer as they scramble to catch up with back premiums. It is must better to correctly classify your employees, and then to take steps to ensure you mitigate all associated risks.
How To Protect Your 8810 Employees
One way to ensure that your 8810 employees remain in that categorization is to increase safety measures surrounding their worksite. This involves building or creating a physical barrier between those employees and other hazards, keeping the clerical workplace separate and distinct from physical labor or factor floor operations, and keeping those employees away from areas of your building where products are stored.
What To Do If Your Employees Are Misclassified Upon Audit?
If you suspect that your staff members were misclassified upon audit, your first step should be to contact a reputable insurance broker who can intervene on your behalf. Take the time to gather all information possible about their working conditions, including the location and job description.
It is important for employers to understand the difference between worker's compensation classification codes, especially as it relates to 8810, the clerical code. You need to know when use of this code is appropriate and when it could result in the imposition of fines and stricter premiums upon audit.
Workers Compensation Code 8810 - The Bottom Line
We hope this article on workers compensation code 8810 has been informative. Learning all you can about the differences between 8810 and other classification codes is also useful when you are subjected to an audit. If your auditor changes these codes, you need to know what the long-term financial implications of that switch are for you. You may also need information on how to challenge that switch. Contact a reputable insurance broker in your area to get advice customized for your unique situation and to find out more about workers' compensation classification codes.
Workers Compensation Insurance Quotes
If you are looking for state specific Workers Compensation Insurance insurance quotes, costs and information: California Workers Compensation Insurance, Delaware Workers Compensation Insurance, Illinois Workers Compensation Insurance,Kentucky Workers Compensation Insurance, New Jersey Workers Compensation Insurance, New York Workers Compensation Insurance, Pennsylvania Workers Compensation Insurance, Texas Workers Compensation Insurance.