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Workers Compensation Insurance Premium Disputes

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Introduction to Classification System

The classification of industries, occupations, or operations of insurance policyholders is at the heart of the California workers compensation premium system. Indeed, the heart of almost any insurance rating system is the aggregation of homogeneous risks so that the group’s aggregate losses ca...

Posted Friday, February 10, 2012

Legal Authority

California law charges the insurance commissioner to “designate a rating organization to … develop a classification system.” Classification system or classification means a plan, system, or arrangement for recognizing differences in exposure to hazards among industries, occupation...

Posted Friday, February 10, 2012

Determining Classifications

Employers who feel their business is unfairly characterized frequently view the method of classification(s) assignment with confusion and frustration. This section analyzes both the method and philosophy of classification assignment, including “soft spots” where equities do seem to suffe...

Posted Friday, February 10, 2012

Assignment by Described Classification

The alphabetical list of classifications is the heart of the classification system. USRP Part 3(I)(1)(a), requires that: Any business or operation specifically described by a classification shall be assigned to that classification. (Emphasis added.) Thus, employers are classified in their ...

Posted Friday, February 10, 2012

Classification Assignment by Analogy

An employer whose business or operation is specifically described by an existing classification may not argue that a different classification is more appropriate, even if the employer’s process and/or hazard differs greatly from those of other employers described by the classification. &n...

Posted Friday, February 10, 2012

Single Enterprise Rule

The heart of the classification procedure is the single enterprise rule, USRP Part 3(III)(2). It is often cited by the WCIRB in responding to classification complaints by employers. Due to its importance, specificity, and relative brevity, the single enterprise rule is reproduced verbatim below, wit...

Posted Friday, February 10, 2012

Multiple Enterprise Rule

The single enterprise rule sweeps in all types of separate and diverse operations that “normally prevail” in the business or enterprise described by the appropriate single USRP classification. But what if the employer’s operation, conducted at one or more locations, co...

Posted Friday, February 10, 2012

Read My Book

Levine Book Levine on California Workers Compensation Premium and Insurance

A Comprehensive Practical and Legal Guide to Premium and Insurance Issues, Strategies, and Disputes