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Workers´ Compensation Classifications Page 3
The job-classification process typically begins when a company contacts aninsurance agent for general business coverage. The agent will inquire into the various job functions undertaken by the company and prepare an application. This application is sent to various company underwriters, who calculate an estimated annual premium. These quotes are then analyzed by the agent and presented to your company.
Settling Disagreements
If a company disputes a job classification, the appeal process usually works its way through the agent to the underwriter, who generally will send an inspector to examine the office or facility. Further appeals can draw in a rating-bureau reviewer. If there is still disagreement, the final decision will rest with the NCCI. Although there may be a charge, a proper classification will be given.
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