Comp Rates Unfair
For Laborers
To the Editor:
Your article "Straight Talk About
Workers Comp" (2/92) is wellwritten;
however, it does not
address the subject of construction
laborers nor the fact that the
National Council on Compensation
Insurance (NCCI) does not have a
classification code for "construction
laborer." It has been my experience
that the workers comp insurance
carrier always classifies laborers as
carpenters, which is not correct.
There are one or two other codes
that are applicable, such as
"cleaner-debris removal," which
have substantially lower rates.
Every builder should review the
published classification book [available
from NCCI, Boca Raton, Fla.]
to understand what the classifications
are and how these apply to
their firm. That information makes
a dramatic difference in your rate.
Finally, all contractors