Workers’ comp class codes are based on the type of work an employee performs as part of their regular day-to-day duties. There’s a standardized system of codes to determine the risk level of the employees' work. You might only have one class code listed on your policy, or you could have multiple codes.
If an employee’s job duties fall under multiple codes, you should choose the highest-rated class code to ensure that you’re covered if you have to file a claim.
Figuring out what class code to use for your employees can be a bit tricky, but it’s important to get it right, or you may find that your policy doesn’t cover you if you have to file a claim.
For example, if your employee routinely works on tall ladders, but has been classed on your policy as an office worker, if they fall off a ladder and you try to file a workers’ comp claim to cover the expenses, your claim could be rejected. That means you or your business could be responsible for paying for medical and other costs yourself.
If you have questions or concerns about classifying your employees, get in touch with NEXT customer support for help!