Classification & Inspection
The inspection program involves gathering information from the insured (usually requires a visit to the work site) as to the type of business, department breakdown, number of employees, interchange of labor of employees among departments, and executive officer duties. This basic underwriting information is required to proper classify the insured.
The goal of the classification system is to group employers into categories so that advisory rates reflect the exposures common to those employers. We classify the business of the employer, not the separate employments, occupations, or operations within the business. Each category (classification) includes the various types of labor found in a business. Using tools such as the Basic Manual, Scopes, bureau archives, and years of knowledge, we select the classification that most closely describes the business.