Classification Descriptions - A

3632 Abrasive Blasting - not building

1438 Abrasive Grit or Steel Shot Grading or Bagging.

4279 Abrasive Paper or Cloth Preparation - paper or cloth Mfg. to be separately rated.

1748 Abrasive Wheel Mfg. - Ore milling or the Mfg. of artificial abrasive to be separately rated.

8803 Accountant, Auditor or Factory Cost or Office Systematizer - traveling

3724 Acetylene Gas Machine Installation

4825 Acetylene Gas Mfg. - includes tank charging.

3634 Acetylene Torch Mfg.

4829 Acid Mfg.

5020 Acoustical Ceiling Tile Installation

5479 Acoustical Material Installation

3574 Adding, Computing, Recording or Office Machine Mfg.

8800 Addressing or Mailing Company

9053 Adult Foster Care Home

Applicable to enterprises operating under a state license which identifies the license holder as an "Adult Foster Care Facility".

Those that are not licensed as described above, assign to code 8829.

Code 9058 is applicable to employees engaged in food preparation and dining room service, but it does not extend to those employees providing room service. Those employees providing room service shall be assigned in accordance with the rule on division of a single employee’s payroll.

9558 Advertising Company - outdoor

2812 Advertising Display Mfg.

9501 Advertising Display Service - installation or removal of advertising cards in or on vehicles

9521 Advertising Display Service - for stores

3115 Agricultural, Construction, Logging, Mining, Oil or Artesian Well Tool Mfg.

8010 Agricultural Implement Stores - not farm machinery

3507 Agricultural Machinery Mfg.

3115 Agricultural Tool Mfg. - hand

8387 Air Conditioning, Automobile, Truck or Trailer - service or repair Code 8395 can be used in lieu of 8387 if risk qualifies as an Automobile Repair Facility. Installation or repair of refrigeration or air conditioning systems or cargo trailer on customer’s premises by air conditioning or refrigeration contractors is assigned to code 3724.

5549 Air Conditioning and Heating Systems - Residential

Applies to the installation, service and repair of hot air or low pressure hot water heating and air conditioning systems in residential dwellings less than 3 stories in height. This classification includes shop operations and outside installation. This is an all-inclusive classification for non-portable air conditioning, evaporative cooling systems and furnaces and would include any electrical wiring, cleaning, oiling and adjusting, any plumbing work connected with the operations and sheet metal work.

Separately rate installation, service and repair of portable air conditioning systems under code 9519.

5550 Air Conditioning and Heating Systems - Commercial

Applies to the installation, service and repair of hot air or low pressure hot water heating and air conditioning systems in commercial buildings. This classification includes shop operations and outside installation. This is an all-inclusive classification for non-portable air conditioning, evaporative cooling systems and furnaces and would include any electrical wiring, cleaning, oiling and adjusting, any plumbing work connected with the operations and sheet metal work.

Separately rate installation, service and repair of portable air conditioning systems under code 9519.

9519 Air Conditioning Systems - portable units: installation and service

3574 Air Pressure or Steam Gauge Mfg.

3629 Aircraft Engine Precision Part Mfg.

3040 Aircraft Landing Mats Mfg. - by welding process

7360 Aircraft or Automobile - preparing and crating for shipment

AIRCRAFT OR HELICOPTER OPERATIONS:

7423 Aerial Application, Seeding, Herding, or Scintillometer Surveying: ground employees

7422 Aerial Application, Seeding, Herding, or Scintillometer Surveying: flying crew

7403 Air Carrier - Commuter: ground employees

7405 Air Carrier - Commuter: flying crew

Applies to commuter air carriers operating under Part 135 or Part 127 of the Federal Aviation Regulations and which conduct at least five (5) round trips per week between two (2) or more points, and publishes flight schedules that specify the times and days of the week and places between which such flights are performed.

7403 Air Carrier - Scheduled or Supplemental: ground employees

7405 Air Carrier - Scheduled or Supplemental: flying crew

Applies to scheduled or commercial air carriers, including cargo carriers, certificated as such and operating under Part 121 of the Federal Aviation Regulations.

7422 Flight Testing By Manufacturer - aircraft manufactured under an approved type certificate: flying crew

7422 Flight Testing by Manufacturer - prototype or experimental aircraft: flying crew

7422 Forest Fire Fighting

7423 Airport or Heliport Operator

Members of flying crew to be separately rated under the appropriate aircraft or helicopter operation classification.

7423 NOC: ground employees

7422 NOC: flying crew

As respects aerial photography, mapping or survey work, the payroll of the ground laboratory employees shall be assigned to Code 4361- Photographers

7423 Patrol, Photography Other Than Mapping or Survey Work: ground employees

7422 Patrol, Photography Other Than Mapping or Survey Work: flying crew

As respects aerial photography other than mapping or survey work the payroll of the ground laboratory employees shall be assigned to code 4361 - Photographer

7423 Public Exhibition Involving Stunt Flying, Racing, Parachute Jumping: ground employees

7422 Public Exhibition Involving Stunt Flying, Racing, Parachute Jumping: flying crew

7423 Sales or Service Agency: Taxi or Sightseeing: Student Instruction: all ground employees

7422 Sales or Service Agency: Taxi or Sightseeing: Student Instruction: flying crew

7421 Transportation of Personnel in Conduct of Employer’s Business: flying crew

Applies to the payroll of pilots and all members of the flying crew. Also applies to the payroll of executive officers or other employees who engage in the operation of aircraft in the conduct of the employer’s business. If the records of the employer clearly indicate the days in which flying is performed by such employees, (1) only the payroll for each day during any part of which the employee has engaged in flight duties shall be assigned to this classification. (2) The payroll for each day in which no flying has been done shall be assigned to those classifications which would otherwise apply. If the records of the employer do not clearly indicate the days in which flying is performed by such employees, the entire payroll for such employees shall be assigned to this classification unless the classification applicable to the employee’s non-flying operations carries a higher rate in which event such classification shall apply.

A per passenger seat surcharge, subject to a maximum surcharge per aircraft, shall be charged in addition to the premium otherwise determined under this classification. These surcharges shall not be cumulative in the event of substitution of aircraft during the policy period; but these surcharges shall be cumulative in the event more than one aircraft is owned or operated during the same policy period. The premium for these surcharges shall not be subject to any experience rating modification. These surcharges shall not be subject to pro rate or short rate adjustment except in the event of cancellation of the policy. These surcharges and losses to employees, other than members of flying crew, arising out of the operation of an aircraft, are to be reported under Code 9108. The per passenger seat surcharge and the maximum surcharge per aircraft are shown under "Miscellaneous Values" on the rate pages. Commercial aircraft operation to be separately rated.

7423 Transportation of Personnel in Conduct of Employer’s Business: ground crew

3115 Aircraft Propeller Service

3808 Airplane Mfg.

2790 Airplane Propeller Mfg. - wood

3076 Airplane Subassemblies Mfg. - metal: cowling, wing, tab, etc.

5507 Airport Construction: grading

5506 Airport Construction: paving

7720 Airport Security Screening - contract

8350 Alcohol Dealers - bulk

2131 Alcohol Mfg. - grain

9053 Alcohol Rehabilitation Centers

8017 Ale and Beer Dealer - retail

7390 Ale and Beer Dealer - wholesale

7210 Ale and Beer Dealer - drivers in connection therewith

ALUMINUM SIDING INSTALLATION:

5645 Detached One or Two Family Dwellings

5651 Dwellings-Three Stories or Less

5403 All Other Buildings or Structures

3066 Aluminum Ware Mfg.

Applies to goods manufactured from sheet aluminum. Rolling mills or smelting to be separately rated.

3076 Aluminum Window Sash Mfg.

7980 Ambulance Drivers and Attendants with Waiver, Volunteer

This class is only available to municipal entities. Upon written request by the insured the Michigan Waiver of Coordination of Benefits Endorsement for volunteer ambulance drivers and attendants will be attached to the policy only at the time the policy is entered into or renewed. Volunteers not subject to the waiver will be separately rated under Code 7380. The actual remuneration of all volunteers shall be reported, however, in no case shall the remuneration of any such volunteers be taken at less than the minimum amount shown in the rate pages.

7380 Ambulance Service Company

The actual remuneration of all volunteers shall be reported, however, in no case shall the remuneration of any such volunteers be taken at less than the minimum amount shown in the rate pages. Aircraft ambulance services to be separately rated under the appropriate aircraft classification. When employer elects Waiver of Coordination of Benefits for volunteers, use code 7980.

4829 Ammonia Mfg.

Applies to ammonia produced by the nitrogen hydrogen fixation process. Manufacturing of nitric acid and ammonium nitrate to be separately rated as Code 4829 Acid Mfg. and Code 4583 Ammonium Nitrate Mfg. respectively.

4829 Ammonium Nitrate Mfg.

AMMUNITION OR EXPLOSIVES MFG.:

4770 Bag Loading - propellant charges

4799 Black Powder Mfg.

Includes mixtures in which black powder is the principal ingredient.

4779 Cap, Primer, Fuse, Booster or Detonator Assembly

Includes mixing of charges or loading. Explosive Mfg. to be separately rated.

4775 Cartridge Charging or Loading

Includes all operations involving the handling of explosives or mixing of fulminate. Explosive or fulminate Mfg. to be separately rated.

3628 Cartridge Component Mfg. - small arms

Cartridge case Mfg. to be separately rated. Insertion of percussion caps or primers, loading or testing with explosives to be separately rated.

3628 Cartridge Mfg. or Assembly -small arms

Explosives or fulminate Mfg. to be separately rated.

3315 Cartridge or Shell Case Mfg. - Metal

Insertion of percussion caps or primers, loading or testing with explosives to be separately rated.

4779 Fireworks Mfg.

Fireworks exhibitions to be separately rated as Code 9015.

4773 High Explosives Mfg.

Includes the Mfg. of explosives recognized by the Bureau of Explosives as "High Explosives" such as dinitrotoluol, double base powders, dynamite, fulminates, nitroglycerine, nitro starch, picrates, picric acid, tetryl and trinitrotoluol.

4776 Projectile, Bomb, Mine or Grenade Loading

Cap, primer, fuse, booster or detonator assembly to be separately rated as Code 4779.

3632 Projectile or Shell Mfg.

Includes incidental "nosing in." Not cartridge or shell case Mfg. Forging or casting of shapes or loading or testing with explosives to be separately rated.

4775 Shell Case Loading

Applies to 20 mm and over and includes assembling with loaded projectile. Projectile or primer loading to be separately rated.

4774 Smokeless Powder Mfg. - single base

Includes the Mfg. of pyro or nitro-cotton. High explosives Mfg. to be separately rated.

9015 Amusement Device Operator, Carnival or Circus - traveling

9015 Amusement Device Operation - NOC - not traveling. Applies to the operation of merry-go-rounds, swings, roller coasters and similar amusement devices not otherwise classified.

9015 Amusement Park or Exhibition Operation - Also see "Recreational Facilities"

4511 Analytical Operations

Applicable to both chemical and physical testing operations and gathering of sample materials. Also applicable to research and development operations of an employer engaged in manufacturing operations provided the analytical operations are physically separated from the manufacturing operations and are not conducted as a portion of another operation. Core drilling to be separately rated as Code 6204 Drilling - NOC.

8350 Anhydrous Ammonia Operation: sale & distribution

Application to soil by contractors use appropriate farm class

4825 Anti-Toxin, Serum or Virus Mfg.

8601 Architect or Engineer - consulting

Does not apply to employees when engaged in actual construction or manufacturing.

3548 Arms Mfg. - NOC

Steel making, forging, shell Mfg. or shell loading to be separately rated.

3628 Arms Mfg. - small - applies to .50 caliber or under

Cartridge Mfg. or cartridge loading to be separately rated -see "Explosives."

4131 Art Glass or Cathedral Window Mfg.

3115 Artesian or Oil Well, Agricultural, Construction, Mining or Logging tool Mfg.

8831 Artificial Insemination of Livestock

2790 Artificial Limb Mfg.

4828 Artificial Soil Mfg.

4692 Artificial Teeth Mfg.

9403 Ashes, Garbage or Refuse Collection

Reduction, rendering or fertilizer plants to be separately rated.

7213 Ashes, Garbage or Refuse Collection - drivers in connection therewith

7205 Ashes, Garbage or Refuse Collection - drivers in connection with exclusive mechanical operation

Applies to drivers of risks involved in collection of garbage by mechanical means where pick up, dumping and replacing of the container is by mechanical arms operated from within the truck by the truck driver. This classification also applies to drivers that deliver and pick up large commercial or industrial bins that are loaded onto the trucks by mechanical means.

5506 Asphalt - spraying of roads with liquid asphalt

5506 Asphalt Laying - on top of already constructed highway

4024 Asphalt Paving Bricks Mfg.

5221 Asphalt Sealing - floors, driveways, yards or sidewalks

4712 Asphalt or Tar Distilling or Refining

Felt or paper Mfg. or coke burning to be separately rated. Chemical works or manufacturers of dyes or products used as explosives to be separately rated.

1463 Asphalt Works

4511 Assaying

8235 Assembled Millwork, door or sash dealer

2802 Assembled Millwork, door or sash Mfg. - wood

Where a risk deals in any lumber, building materials or fuel and materials in addition to products manufactured, all yard operations shall be assigned to Code 8232.

 

Asylum:

9040 Other Employees - NOC

8833 Professional Employees

9058 Food Services Operations

9015 Janitorial Operation and Custodial Care

9015 Athletic Team or Park: Operation - contact or non-contact sports

Applies to all employees (except Special Classification employees) and to players, coaches, managers or umpires and includes all players on salary list of insured, whether regularly played or not. A payroll limitation applies to players, coaches, managers or umpires. Refer to the minimum and a maximum per employee as indicated in the Miscellaneous Values listed in the Rate pages. This payroll limitation does not apply to other employees.

8820 Attorney

8017 Auctioneers

Not livestock sales stable.

5191 Audio or call box systems installation - within buildings

8803 Auditor, Accountant or Factory Cost or Office Systematizer - traveling

3145 Automatic Screw Machine Products Mfg.

3634 Automatic Sprinkler Head Mfg.

5188 Automatic Sprinkler Installation

Automobile:

8046 Automobile Accessory Store: retail - NOC

8393 Automobile Body Repair

Applies to the repair of automobile bodies. Also applies to antique car restoration.

3303 Automobile Bumper Mfg.

3824 Automobile, Bus, Truck or Trailer Body Mfg. - die pressed steel

3824 Automobile, Bus, Truck or Trailer Body Mfg. - NOC

9501 Automobile, Bus, Truck or Trailer Body - painting

9522 Automobile, Bus, Truck or Trailer Body - upholstering

8265 Automobile Crushing

3821 Automobile Dismantling

3827 Automobile Engine Mfg.

3612 Automobile Fuel Pump Mfg.

8387 Automobile Glass Installation

7219 Automobile Haulaway

7208 Automobile Haulaway - drivers in connection therewith

7317F Automobile Haulaway or Driveaway - driving cars on or off vessels

3179 Automobile Horn Mfg. - electric

3632 Automobile Jack Mfg. - not stamped - from castings

3612 Automobile Jack Mfg. - hydraulic

3179 Automobile Lamp Mfg.

8748 Automobile Leasing Company - Long Term: sales employees

8395 Automobile Leasing Company - Long Term: garage employees

3632 Automobile Linkage Control Mfg.

3808 Automobile Mfg. or Assembly

8392 Automobile Parking Lot

3400 Automobile Parts Mfg. - misc. stamped parts such as fenders

3632 Automobile Piston Mfg.

7422 Automobile Racing - Drivers

This classification includes pit crews. Garage mechanics are subject to Code 8395.

3807 Automobile Radiator Mfg.

8387 Automobile Radiator Repair - no manufacturing

8395 Automobile Repair Facility

Includes automobile sales and service agencies and all establishments providing repair services for which their employees must have State certification as automobile repair facility mechanics. Parts department employees to be assigned to Code 8010 Automobile Replacement Parts Dealer.

Establishments engaged in repair of automobile bodies (metal or fiberglass) to be assigned to Code 8393 Automobile Body Repair. Operations of a gasoline station in connection with an automobile repair facility to be classified as either Code 8387 Gasoline Station - Retail - NOC or Code 8381 Gasoline Station - Self-Serve.

8394 Automobile Repair Facility, Automobile Body Repair Facility - Service Write Up

Applies to service write up work for automobile repair and body work. This classification does not apply to any employee performing any mechanical repair work or body work.

8748 Automobile Salespersons

8387 Automobile Service Station

8392 Automobile Storage Garage or Parking Station

9519 Automotive or Truck Radio Installation

7219 Automobile Towing Company

7228 Automobile Towing Company - drivers in connection therewith

3400 or 3146 Automobile Window and Trim Molding Mfg.

Assignment contingent upon degree of punch press exposure.

 

AUTOMOBILE RENTAL COMPANY:

7382 Automobile Rental Company - all other emps.

7212 Automobile Rental Company - Drivers

8395 Automobile Rental Company - Garage employees

9015 Automobile Rental Company - Janitorial operations & custodial care

Automotive:

3635 Automotive Camshaft & Crankshaft Mfg.

3146 Automotive Hardware Mfg.

3648 Automotive Lighting, Ignition or Starting Apparatus Mfg. NOC

3632 Automotive Machine Shop - no work on cars

Including cylinder reboring, valve grinding, turning down brake drums, rebabitting connecting rods.

8010 Automotive Replacement Parts Distribution

3146 Automotive Tubing Fabrication

AWNING MANUFACTURE AND ERECTION:

5538 Awning Erection - Metal Exclusively

5538 Awning Erection by an Insured Engaged in the Erection of Canvas Products

2576 Awning Repair - Shop only

5538 Awning, Tent or Canvas Goods Erection, Removal and Repair

2576 Awning, Tent or Canvas Goods Mfg. NOC The installation, removal or repair of awnings, tents or other canvas products away from the shop shall be classified as Code 5538.

5538 Manufacture and Erection of Metal Awnings Exclusively

3076 Metal - no erection.

Applies to on-site operations, away from the insured’s shop only.

3115 Axe or Sledge Hammer Mfg.

2841 Axle Mfg. - wood