Most Expensive Workers Compensation Classification Codes California Version
For the most expensive Workers Compensation classification codes California seems to be the highest in the US.
In performing recent premium audits for California employers, I decided to check out which type of employers paid the most for workers compensation coverage in California. The most expensive was not a surprise. The second most expensive was an unexpected one.
There are hundreds of Classification Codes in the California Workers Compensation system.
The most expensive classification code in California is:
5552: Roofing —hourly wage below $23.00 per hour
When the insurance crisis in California existed a few years ago, insurers were charging well over $100 per $100 of payroll for Class Code 5552. This is the same as a 100%+ tax on a certain line of business. Why is this Classification Code the highest? The severity and number of accidents that involve roofers are very high compared with all other job types.
One only needs to read the California or national workers comp publications to see Cal-OSHA fining a roofing company for some type of safety violation – usually lack of fall protection.
The next most expensive California Classification Code is:
9185 Carnival or Circus – all workers
The all-workers designation means that there are no Standard Exceptions (Class Code 8810 or 8742) with this code. As with roofers, carnival and circus workers expose themselves to injuries while performing or while tending to the animals.
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