how to classify employees for workers compensation insurance westchester ny
  • By Allan M Block Blogging Team
  • Posted April 23, 2020

Classify Employees Properly For Workers Compensation Insurance

Your business's workers com­pensation policy often will have several class codes listed for different types of employees. Standard codes are available for clerical duties and salespeople. The rest are dependent upon your specific industry.

It takes an expert insurance agent or broker who is familiar with both the state laws and classification systems, as well as your specific industry, to verify these codes for you.

There are also important implications if an employee does work in two different areas that blend across codes. Often, that employee must be placed into the higher-rated/more hazardous code, and payroll for the employee cannot be broken out into two separate classifications. There may be exceptions depending on the industry and your state's workers compensation laws.

Rules on how employees are classified have recently changed at the federal level, and states often tweak their workers comp laws. Moreover, changes in employee duties or your payroll merit a talk with your agent or broker. Use your annual review to make sure you don't have any classification errors, and let us know any changes you make to staff, duties, hours, or pay.

For more information or answers to your insurance questions, contact us at Allan Block Insurance Agency,, located in Tarrytown, NY in the heart of Westchester County, a key business district near New York City.  We write auto, home, renters, condo, co-op, personal, business, life and group insurance for clients locally and in NYC, CT, NJ, PA, MA and many other states. The Professional Agency with the Personal Touch.