NCCI Class Code 8810 | Clerical and Office Employee
In most states, classification code 8810 is meant for Clerical and Office Employees. What distinguishes an employee as a clerical or office employee is difficult for many businesses to determine. Because of this difficulty, 8810 tends to be one of the most misused, misunderstood and most common misclassified class codes. Many businesses improperly place some or all of their staff in this classification code because the business will enjoy some of the lowest rates for workers compensation premium of any classification code.
In many instances, a business owner will attempt to place all employees under the classification code 8810 – Clerical and Office Employee. This is because this class code enjoys the lowest rates for workers compensation premium. Some of the employees may actually belong in this class code, but often times a majority of them do not. The main qualification to be listed in this class code is that the employee needs to always perform their job where there is some form of physical separation from employees engaged in other high hazard work *think walls and doors). Employees in this classification should also not have any type of contact or supervisory role over employees involved in physical labor. The area an employee classified as 8810 – Clerical and Office Employee should also be separate from any storage areas where inventory is secured.
When an office employee begins to perform any duties outside of their clerical duties, they more than likely need to have a different classification. This may include something as simple as walking or driving off the property to get the mail. A good example of this would be when a non-profit has a program director who spends a majority of their work week behind a desk, but they also have direct supervisory duties. Because these supervisory duties take them away from the office and force them to interact with the general public and the entire staff involved with other exposures, the employee cannot be classified 8810. WHen this occurs the employee must be placed the highest rated risk classification represented by those additional duties. Many employers combat this cost by assigning these additional duties to one or a select few employees.
It is important to pay particularly close attention to the separation of exposure between different work hazards. When an employee is misclassified into a less risky classification code like clerical office employees noc, it almost always gets cleared up during the end of term audit. When it does get noticed, the employer will owe additional premium in order to keep coverage in place moving forward. This can be a significant cost to a business at an inopportune time.
Clerical Office Employees. This is the most common class code utilized and is common to most policies regardless of the nature of business because most businesses have one or more clerical office employees. Common duties include financial, drafting, telephone answering, inside sales, designers, editors, programmers, and general office staff.
Necessary Insurance Policies for Cable Installation Businesses
Cable television and internet services are a regular part of the lives of most people in 2019. Cable installers provide a service that installs programming over both fiber optic and coaxial cables. The services can be sent both digitally or by satellite. Cable installers may lay lines or cables throughout a property. Because the work is done primarily on third party locations and the properties vary greatly, there is a lot of risk involved in the industry. Business that operate in this industry need to take insuring the business seriously. Taking an additional amount of time to think about the risks the business face, thinking about what could go wrong, and how leadership might prevent these risks from taking place are strongly recommended for any cable installation business. Speaking with an independent insurance agent can help make the purchasing decision easier. Here are five policies all cable installers should strongly consider.
Recommended Insurance Programs for Cable Installation
Minimum recommended coverage:
Inland Marine Coverage
Commercial Auto Insurance
Business Personal Property
General Liability Insurance is the first line of defense for cable installers looking to protect themselves from the liability faced to outside third parties. This policy covers basic liability, but is not all encompassing. It is important to take an adequate amount of time to discuss with an insurance agent what exactly the employees of a business do and do not partake in on a daily basis. There are more than likely additional policies any business will need in addition to general liability insurance.
Workers Compensation Insurance is required by law for most businesses in most states. The policy protects injured employees with coverage for medical costs and some lost wages while they are hurt and not able to work. Many contracts require a business to provide a certificate of insurance proving they have both GL and WC insurance. There are some states that have exclusions depending upon the number of employees and the annual revenue of the business. If the business is owned by one person and that person is the only employee, there is a ghost policy that is much cheaper to purchase and will meet the demands of most contracts.
Inland Marine Coverage
Inland Marine covers tools and specialized equipment that is frequently in transit. If the tools are damaged while working or being stored at a third party location, the inland marine policy will cover to repair or replace the tools.
Commercial Auto Insurance
Commercial Auto Insurance is needed if the business has employees who operate vehicles that the business owns. If the employees use their personal vehicle for business purposes, a hired and non-owned auto needs to be purchased either instead of or in addition to a commercial auto insurance policy. When an employee causes a wreck while on company time, the business is liable for the damages to outside third parties. The employee is not liable. Failing to secure the proper type of commercial auto insurance can result in a large loss the business is responsible for.
Business Income with Extra Expense
Business Income with Extra Expense Coverage is designed to cover expenses during a time when the business is interrupted or fully shut down as a result of a covered loss. It is important to remember the underlying loss has to be covered. If the loss is caused by a flood, earthquake, or tornado; and the business does not have proper coverage in place; the business income policy is not triggered. This is another reason why it is so crucial to speak long and honestly with your insurance agent and not base your purchasing decision solely on price.
Additional Policies to consider:
Building, Equipment Breakdown, Contractors Equipment, Cyber Liability, Employment Practices Liability, and Umbrella Coverage.
Cable Installation Liability Classification Codes
Commercial insurance companies use various liability classification systems in order to classify and rate coverage premiums for Cable Installation. Here are the most common business insurance classifications for Cable Installers:
Business Liability Category: TV and Media Installation
SIC Business Insurance Codes:
4841: Cable and Other Pay TV Services
NAICS Liability Classifications:
517110: Wired Telecommunications Carriers
515210: Cable and Other Subscription Programming
Business ISO General Liability:
91315: Cable and Subscription TV Companies
Common Workers Compensation Class Codes:
7536: Cable Installation and Construction
8901: Cable and Telecommunications—Office Employees
7600: Cable TV or Satellite—Other Employees and Drivers
Directors and Officers Liability Insurance (D&O) are frequently associated with large for-profit companies. Unfortunately, for-profit companies are not the only types of companies who can benefit from Directors and Officers Liability Insurance. Many people within the non profit industry misunderstand that officers and directors (including trustees) of a nonprofit organization are exposed to liability for their relationship with the non-profit organization. In today’s litigious society, if a person sits on a board for a nonprofit the likelihood that they will at sometime have to face some type of liability is high. Nonprofit Directors and Officers Liability Insurance is a necessary coverage for all non profit organizations.
The primary role of directors and officers of a non profit organization is to manage the fiscal stability of the organization as well as to provide the staff of the organization with an environment where they can safely and successfully execute the mission of the organization. Many instances arise where the nature of the non profit organization is drastically different from the experience of the people who sit on the board. The non profit commonly asks for these people to sit on the board in order to get guidance from their area of expertise. This does not dissolve these leaders from liability relating to all aspects of the organization. This means all organizations should carry adequate insurance coverage. Here are four reasons to carry adequate insurance coverage and three tips to limit exposure of all nonprofit organization.
4 Reasons to Secure Coverage
Volunteer Protection Act
The Volunteer Protection Act was passed in 1997. This Volunteer Protection Act states that no volunteer of a nonprofit organization or governmental entity shall be liable for harm caused by an act or omission of the volunteer on behalf of the organization or entity. These laws are limited to areas in which the directors have specific expertise and certifications showing their expertise in any area that benefits the non profit. These protections are not all encompassing and the directors still face liability if they give faulty advice or offer advice outside of their realm of expertise. Because of the limits of this and other similar state laws, non profit organizations need to secure adequate insurance coverage.
Many Reasons for Officers to Face Liability
Directors and officers can be sued for a range of issues including fiduciary responsibilities, improper conduct by employees and volunteers, failure to fulfill the organization’s non-profit mission, and misuse of donor funds. The number of reasons a lawsuit can occur is long and vast. The only true way to protect a nonprofits board of directors is to secure adequate Nonprofit Directors and Officers Liability Insurance.
Many Nonprofit Organizations Face Liability
Sixty-three percent of nonprofit organizations reported a D&O claim within the past ten years. That is compared to only twenty-seven percent for private companies. Leaders in the nonprofit industry are forced to juggle many responsibilities. These responsibilities include dealing with a tight budget, engaging with volunteers and wealthy donors. All while serving the mission of the organization. Leaders frequently serve in a leadership position at a nonprofit organization because of a deep passion for the community they serve and the mission of the nonprofit organization. Unfortunately, many of these same leaders forget to use equal discretion in their non profit life as they do in their professional life. This is likely to cause the higher likelihood of a non profit organization to face a lawsuit. Nonprofit Directors and Officers Liability Insurance is always the best way to protect the leaders within an organization and will up the likelihood of qualified people to serve on the organizations board.
Damages Often Exceed the Assets of the Nonprofit
In most cases, a nonprofit organization is not operating with a huge budget surplus. Most nonprofits do not have an extensive amount of cash on hand. Because of this lack of cash, most non profits do not have the ability to provide legal defense costs when it faces a lawsuit. Nonprofit Directors and Officers Liability Insurance can cover some or all of the legal costs resulting from lawsuits against leaders of the organization.
3 Tips to Limit Exposure
Understand the Organizations Risk
Taking the time and effort to understand all of the risks a nonprofit organization faces is the first and most important step any organization needs to take in order to prevent the exposure non profit organizations face. Partnering with an independent insurance agent and other risk management professionals is the best way to attempt to understand exactly how much risk the organization faces and the best way to limit the exposure.
Implement Safety Programs
Adequate safety measures are important for all non-profit organizations. Because of the common use of volunteers it is crucially important to train the key employees on how to administer a safety program. It is equally important to be able to express the importance of that safety program to all volunteers and other third parties associated with the organization.
Purchase Nonprofit Directors and Officers Liability Insurance
The absolute best way to protect a nonprofit organization and its leaders is to purchase Nonprofit Directors and Officers Liability Insurance. Partnering with an independent insurance agent is a great way to get the most comprehensive policy and acquire credits and discounts on behalf of the organization. An independent agent can quote your policy to multiple carriers and force them to compete for your business. Having an insurance professional on the board of directors may be beneficial to many nonprofit organizations.
Brief Business Description of Operations we Cover
Social Services Organizations.
Juvenile Detention Centers.
Social Services Professionals.
Hospitals- Non Professional (non-medical). Applies to above whereas employee is not medically trained such as maintenance, laundry, food services.
Charitable and Welfare Organizations- MA, TX, WI. Includes organizations that collect, recondition and sale items in their stores.
Charitable and Welfare Organizations- MO, NV, VA. Applies to most organizations that provide charitable or welfare assistance to the needy, challenged, or abused. Organizations may provide accommodations, meals, counseling, etc.
YMCA, YWCA, YMHA, and YWHA institutions.
Other target classifications used by many non-profits and charitable organizations include: Transportation Services (Meals on Wheels)- 7382, Special Needs Schools- 8868, Companions- 8835, Congregate Meal Sites- 9079, Food Pantry- 8006, Home Health Aides- 8835, Soup Kitchens- 9079.