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How do you classify employees who do installation of duct work only as part...
I recently visited a contractor who only does the fabrication and installation of duct work for HVAC projects. Would codes 5537 and 95647 be appropriate?
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Work on a military base in a foreign country
A general contractor had a construction project on a military base in Germany. Would the payroll from this project be excluded since the work was performed in a foreign country even though the...
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Subcontracting fabrication and installation work
I recently performed an general liability audit on a general contractor (ABC Contracting) who hired a an adequately insured subcontractor (DEF Contracting) to fabricate and install I-beams. The...
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Handyman code 95625….
General Liability Premium Audit… Can Handyman code 95625 be used for work being done at commercial properties? If not, what is a good GL code for a company that does property maintenance at office and...
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Classification of Drywall Contractor With No Field Employees
I visited a drywall contractor that does not have any employees who install the drywall as all of the work is performed by subcontractors the insured hires. The insured has the drywall directly...
View ArticleWind Turbine Contractors – Code 99804
Under the current administration there has been a bigger push toward “Green” energy. As a result, I recently came across a classification at a Premium Audit that I was not familiar with…. Wind Turbine...
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Framing work done by drywall contractor… separately classify? Code 91340,...
“I am looking to insure a drywall contractor who sometimes installs the wooden studs for the walls where they drywall will be attached, should this be separately classified to code 91340 – Carpentry...
View ArticleWorkers Comp: Separate location and “All Employees” Workers Compensation...
Q. Recently had a question from an underwriter regarding the what “All Employees”, “All Other Employees”, “All Operations”, and “All Operations to Completion” meant and how it would apply to the...
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Wages for Travel Time Excluded for GL?
Q. We recently had a question with regard to excluding wages for travel time to and from the job sites. The agent was insistent that these wages should be excluded like driver’s wages? What are your...
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Code 41620 Construction or Project Manager vs. Code 91580 Executive Supervisor
An agent recently called me with a question as to how a premium auditor would classify a risk that is hired by land owners to manage and oversee the construction of commercial office buildings on...
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Description of Operations for Contractors
Every premium auditor should strive to paint a good picture as to what the insured does. There are some questions that should be answered no matter what type of risk the insured is; contractor,...
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Union Plumbing Contractors – Code 98482
Q. For a union commercial plumbing contractor how do we determine the GL payroll since union payroll can be a lot higher than non-union payroll due to pension and fringe benefits? Are there guidelines...
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