1. SOLAR ENERGY CONTRACTORS
WHAT IS MY WORKERS COMPENSATION CLASS CODE?
PEOPLES UNITED INSURANCE AGENCY

2. WHO’S IN CHARGE? THE NATIONAL COUNCIL ON COMPENSATING INSURANCE (NCCI)
THIS IS A NOT FOR PROFIT ORGANIZATION BASED IN FLORIDA
THE STATE OF CT HAS ELECTED TO USE THE NCCI TO ADMINISTER WORKERS COMPENSATION RULES.

3. WHAT ARE SOME OF THE RULES?
NCCI HAS MANUALS APPROVED BY THE CONNECTICUT INSURANCE DEPT. FOR THE WORKERS COMPENSATION ACT.
BASIC MANUAL-SHOWS WHAT’S INCLUDED FOR A PREMIUM BASIS USED TO CHARGE A PREMIUM FOR THE INSURANCE, ALONG WITH OTHER RULES ON CLASSIFICATION, CANCELLATION RULES, ETC.

4. THE SCOPES MANUAL-SHOWS ABOUT 650 CLASSIFICATIONS THAT MAY BE USED DEPENDING UPON THE TYPE OF BUSINESS.
EACH OF THE 650 CODES HAVE THEIR OWN UNIQUE RATE THAT IS MULTIPLIED BY THE PREMIUM BASE TO ARRIVE AT A PREMIUM.

5. WHEN A POLICY IS WRITTEN,BAN ESTIMATE OF THE PAYROLL AND CLASS CODES IS USED.
AT THE COMPLETION OF THE POLICY PERIOD (USUALLY 1YEAR), AN AUDIT IS PERFORMED BY THE INSURANCE CARRIER, CHECKING THE ACTUAL PAYROLLS AND PROPER CLASSIFICATION.

6. AFTER THE AUDIT IS COMPLETED, EITHER AN INCREASE IN PREMIUM, OR A DECREASE IN PREMIUM, IS DETERMINED TO FINALIZE THE PREMIUM FOR THAT POLICY YEAR.

7. SUBCONTRACTORS
IF YOU HAVE HIRED SUBCONTRACTORS (EVEN 1 PERSON COMPANIES), THE INSURANCE CARRIER REQUIRES A CERTIFICATE OF INSURANCE PROVIDING COVERAGE.

8. WHEN YOU CAN’T OBTAIN AN INSURANCE CERTIFICATE?
THE INSURANCE CARRIER CAN CHARGE A PREMIUM FOR THE AMOUNT THE SUBCONTRACTOR HAS CHARGED YOU FOR THE WORK PERFORMED.

9. WHAT IS THE CODE FOR SOLAR SYSTEM INSTALLATION?
DEPENDS ON TYPE OF INSTALL THAT IS BEING PERFORMED.
INSTALLING ONLY PANELS ON THE ROOF, CODE #5551-ROOFING IS USED.
IF INSTALLING AN HVAC SYSTEM, CODE #5537-HVAC IS USED.

10. GROUND MOUNTED SOLAR PANELS #3724 CODE.
CODE 5183-PLUMBING IS USED FOR INSTALLATION OF PIPING OR OTHER PLUMBING- RELATED TASKS.
CONNECTIONS TO ELECTRICAL POWER LINES WOULD BE CLASS #5190-ELECTRICAL WIRING.

11. HIGH NUMBER OF CLASSIFICATIONS INVOLVED IN SOLAR CONTRACTORS OPERATIONS, CREATES CONFUSION AROUND THE CLASSIFICATION OF THE DIFFERENT TYPES OF WORK.
IF PROPER RECORDKEEPING IS NOT DONE, THE HIGHEST RATED CLASSIFICATION IS USED.