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Risk acceptability is primarily driven by NCCI class code and NAICS code, although individual risk characteristics are also evaluated and may not be included on this page.
Select the corresponding NAICS code from the list below that best describes the primary operations of the client.
The guidelines are used to determine the acceptability of workers' compensation risks. Each account will be reviewed on an individual basis and any information relevant to the risk should be brought to the attention of the underwriter.
Special Underwriting considerations:
The following risk characteristics are considered by the underwriter when selecting both pricing and program offerings. Please provide as much detail as possible to ensure you are offered the most competitive options for the risk submitted.
Formalized workplace safety program
Dedicated safety contact person
Safety orientation and training program
Safety awareness and recognition program
Safety incentive program
Drug-free workplace program
Procedures for cleanup and organization of job site
Formal OSHA programs
Personal protective equipment
Written job descriptions
Written transitional duty jobs
Established relationships with physicians
Timely reporting of claims (24 hours)
Training of employees on claims procedures
Health insurance plan
Above average wages
Identified and addressed past claims trends
D&B credit appraisal of good or high
D&B Paydex – 65 or higher
Good pay history
Strong financial statements
COI controls for all subcontractors
Ongoing payroll and classification tracking by insured
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