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Scopes Manual 6217 Construction Classification Phraseology: Excavation and Drivers NOC NOTE: Includes borrowing, filling or backfilling. Grading or excavation in connection with street or road construction, dam or lock construction, pile driving, shaft sinking, caisson or cofferdam work to be separately rated. Description: This classification also is applied to specialist contractors engaged in grading land and landfilling, provided these operations are not otherwise classified in the manual. The classification includes ditch digging, burrowing, filling or backfilling, and operations such as scraping, cutting, piling or pushing the earth to rearrange the terrain. These operations utilize equipment such as bulldozers, motor graders and carryalls. The classification includes grading involved in airport construction, grading of land preparatory to construction or planting, grading of parking lots, etc. It does not include grading in connection with street or road construction, dam or lock construction, pile driving, shaft sinking and caisson or cofferdam work. 7705 Phraseology: Ambulance Services Ambulance services, emergency medical services (EMS, rescue and first aid squads, and lifesaving crews respond to emergency and nonemergency calls to help the ill and injured, extricate victims when necessary, administer first aid and/or more advanced medical treatment, and provide transportation to a medical facility. Such services can be provided by different types of organizational entities such as private ambulance services (for profit and nonprofit), hospitals, county or government-based services, fire departments, or a combination of the above. 7380 Phraseology: Drivers, Chauffeurs, Messengers And Their Helpers NOC – Commercial Description: Code 7380 is applied to commercial drivers, chauffeurs, messengers and their helpers provided they are not otherwise classified in the Basic Manual. These employees are common to many businesses and are Standard Exceptions assigned to Code 7380 unless they are specifically included within the Phraseology of a basic classification applicable to a risk. Code 7380 is not intended for drivers (chauffeurs) employed by insureds engaged in the business of transporting the public. Chauffeurs assigned to Code 7380 are drivers who are not employed by a risk classified as a public transportation operation but who may transport people. An example of this would be a bus driver employed by a financial institution to transport its employees between various sites at which the financial institution does business. For classification purposes, this driver is assigned to Code 7380 since he/she is a chauffeur for an insured that is not in the business of providing transportation to the public. Code 7380 is a “not otherwise classified” (NOC) classification. This means that Code 7380 shall apply to an insured’s operation(s) only when no other classification more specifically describes the insured’s operation(s) or when a classification applicable to an insured’s operation that includes driving does not

include the type of driving being performed. The following is a representative list of operations somewhat related in nature to Code 7380 operations that are not assigned to Code 7380. The term “trucking” below refers to the hauling of non-owned goods.

7370 – Ambulance Service Companies and Drivers – All Employees Other Than Garage Employees

7382 – Bus Companies and Drivers – All Employees Other Than Garage Employees and Drivers 7382 Phraseology: Bus Company: All Other Employees And Drivers SCOPE Code 7382 is applied to insureds engaged in the operation of bus companies. This would include transit bus lines, charter buses, tour lines and airport buses. The classification contemplates drivers and all employees other than their garage employees, who are separately classified under Code 8385. Bus terminals, when operated by individual bus lines or terminals maintained by associated bus companies, also are contemplated within the scope of Code 7382. These insureds employ supervisors, dispatchers, inspectors and terminal employees such as managers, assistant managers, janitors and porters or baggage handlers. Ticker sellers may be separately classified under Code 8810, provided they are physically separated and perform no other duties required in the operation of bus terminals. Private bus companies that contract to transport tourists may also employ hostesses, lecturers or guides. Additionally, drivers of school buses employed by independent contractors engaged in the operations of school buses are assigned to this classification. 7423 Phraseology: Aircraft or Helicopter Operation; Air Carrier Commuter; All Other Employees And Drivers Applies to commuter air carriers operating under Part 121, Part 127 or Part 135 of the Federal Aviation Regulations that use aircraft seating 30 or fewer passengers or payloads less than 7,500 pounds and which conduct at least five round trips per week between two or more points and publish flight schedules that specify the times and days of the week and places between which such flights are performed. Ticket sellers and information clerks away from airport locations to be separately rated as Code 8810. SCOPE Code 7423 applies to ground crew employees of all aircraft operators other than air carriers – scheduled or supplemental. It includes, but is not limited to, ticket sellers and information clerks at the airport location, baggage handlers, mechanics, service personnel, employees engaged in repair of radio or navigational equipment, hangar personnel, cargo handlers, porters, security or screening personnel, watch guards, fuel attendants, etc. This classification applies to all employees other than clerical office employees and salespersons for operators of airports or heliports. 7520 Phraseology: Waterworks Operation And Drivers Includes store employees, meter readers. Construction of aqueducts, buildings, dams or reservoirs to be separately rated. SCOPE Code 7520 covers the operations of water plants, whether a municipal board or commission or a private company operates them. Sources of water for the plant include but are not limited to rivers, streams, deep-water wells, underwater springs, dams or reservoirs. The water is pumped and piped to the filtration plant where it is filtered through sand beds. The water is then treated with chlorine or other purifying chemicals. In some cases sodium fluoride is added. Water samples are taken and tested periodically. The water is then pumped to large elevated standpipes for distribution through the system.

When performed by employees of the water plant and specifically related to water plant operations, the installation, repair and maintenance of water mains, water pipes, taps, meters and fireplugs are contemplated by Code 7520. When these operations are performed by entities not engaged in the operation of a water plant, the appropriate installation, repair or maintenance code that describes the entity’s particular operation is applied to it. If water plant employees engage in sewer construction, pipe laying or other activities unrelated to the operation of a water plant, they are assigned to an appropriate construction class such as Code 6306 or 6319 or any other construction class that best describes the project they are engaged in. Code 8810 – Clerical is a standard exception and may be applicable to cashiers employed by a water plant operation. For example, Code 8810 applies to a qualified clerical employee who performs a duty outside of a qualified office area when the duty does not involve direct supervision or physical labor and is directly related to that employee’s duties in the office. An employee who otherwise qualifies for Code 8810, who also engages in cashier work for a water plant operation, is assigned to Code 8810. An employee not otherwise qualified for Code 8810, who is engaged in cashier work for a water plant operation, is assigned to Code 7520 or any other appropriate class other than Code 8810. Please refer to the Basic Manual for the complete definition of and qualifications for the clerical assignment. 7580 Phraseology: Sewage Disposal Plant Operation and Drivers SCOPE This classification covers all operations of a sewage disposal plant that can be operated by a municipal board or commission or private company. The plant can dispose of sewage by a number of methods, the common of which are plain sedimentation, chemical coagulation, biological processes and various combinations of these three. These processes kill bacteria and speed up decomposition so that raw sewage is not dumped into waterways or incinerated. The extension of pipelines is contemplated by Code 7580 as well as repair and maintenance on same. 7710 Phraseology: Firefighters And Drivers When part-time or volunteer firefighters are employed, the actual pay of all such persons shall be included with the payroll of regular firefighters in computing the premium. In no case, however, shall the pay of any such firefighters be taken at less than $300 per person per annum. SCOPE Code 7710 is principally applied to firefighters employed by municipalities. It does not apply to special firefighting crews employed by insureds other than municipalities for fire protection of their own premises. The classification includes part-time or volunteer firefighters in states other than those that have special state classifications for volunteer firefighters. The method of computing premium for part-time or volunteer firefighters is set forth in the classification’s footnote. Individual state rate pages should be reviewed to determine if an amount other than a minimum of $300 per annum per part-time or volunteer firefighter is applicable in a particular jurisdiction. Code 7710 is also applied to fire protective corps or fire patrols. These insureds were initially organized by fire underwriters for the purpose of minimizing damage to merchandise or equipment when fires occur. Employees of these insureds do not assist or participate in actual firefighting activities. Their function is to protect merchandise, machinery and equipment from water damage consequential to controlling and extinguishing a fire. This may involve removal of the merchandise, machinery and equipment from the premises and placement of tarpaulins or other protective coverings over the property to be protected. Also, they may set up pumps to expel water from structures. Usually, these fire patrols or fire protective corps works under or above the actual fire so as to afford adjacent floors the maximum protection during the blaze. After the fire is out, their duties are confined to guarding the damaged

premises until either the merchandise is removed or appropriate security measures have been accomplished by others. 7720 Phraseology: Police Officers and Drivers SCOPE Code 7720 principally applies to police department employees of municipalities, townships, counties or states. This classification would apply to all employees of a police department except clerical office employees qualifying for the assignment of Code 8810 in accordance with Basic Manual Rule 1- B-2-a (Rule IV-B-2-a – Classifications – Standard Exception Classifications – Clerical – Office Employees, 1996 edition). Code 7720 would apply to any clerical employee of a police department who had any other duty in connection with the police department’s function. This classification would also apply to volunteer or auxiliary police officers, correction department employees, highway patrols, probation officers, parking meter readers, National Guard persons, penitentiary employees, sheriffs and jail employees, etc. 8017 Phraseology: Store: Retail NOC Description: Code 8017 applies to retail stores that are principally engaged in selling merchandise that is not described by a specialty retail store classification in the Basic Manual. Stores assigned to this classification sell items such as art supplies, bakery products, beer and soft drinks, cigars and cigarettes, computers (personal or home-type), confectionery, cosmetics and toilet items, floor coverings, giftware, greeting cards, household appliances (small), house wares, lamps and lighting fixtures, musical instruments, paint and related supplies, photographic supplies and equipment, pocketbooks, radios, televisions, stereophonic or high-fidelity equipment (see Code 8072 for records, audio or videocassettes, computer software and other magnetic media), stationery and related items, toys, typewriters and office machines, wines and liquors. 8380 Phraseology: Automobile Service Or Repair Center and Drivers Automobile Car Wash and Drivers – includes incidental greasing, polishing and servicing; Automobile Sales or Service Agency and Parts Department Employees, Drivers – automobile salespersons to be separately rated as Code 8748; Gasoline Station NOC – Retail and Drivers – includes retail diesel stations and gasoline stations providing full services such as, but not limited to, pumping gasoline, checking fluid levels, attending car washing service, automobile maintenance or repair, or towing services. Codes 8380 and 8392 – Automobile Storage Garage shall not be assigned to the same risk unless the operations described by these classifications are conducted as separate and distinct businesses; Mobile Home Dealers: All Other Employees and Drivers (N/A MA); Mobile Home Delivery: By Specialist Contractor – Including On-Site Placement, Hookup of Plumbing and Electrical Systems and Incidental Installation Activities and Drivers (N/A MA); Mobile Home: Windstorm Tie-Down Installation: By Dealer and Drivers (N/A MA); Rubber Tire Dealer and Drivers – includes repairing, vulcanizing, the adjustment of tires to vehicles away from the premises of insured; Storage Battery Service Station and Drivers. SCOPE Code 8380 is applied to insureds operating service stations and gasoline stations that perform service or repair work on automobiles, vans, trucks and motorcycles. The classification includes minor repair and service work such as engine tune-ups; simple electrical lighting; starter and generator repairs; sales, installation and service of storage batteries; tire mounting, balancing and alignments; lubrications; oil changes; gasoline dispensing; car washing; glass installation; undercoating; and work on engines, transmissions, radiators, ignition systems, chassis and bodies. Code 8380 additional contemplates major

mechanical repair work such as engine or transmission overhauls, value work, extensive or complex ignition and electrical system repair, body and paintwork, etc. Code 8380 does not contemplate specialty repair shops whose operations are contemplated by a specialty classification. Examples of specialty classifications include but are not limited to Codes 3822, 3824, and 3893 for specialists principally engaged in chassis or body repair or service; Code 9505 for automobile painting operations; and Code 3632 for automobile machine shops that repair engines or other mechanical parts that have been removed from a vehicle by others who are not employed by the automobile machine shop. 8742 Phraseology: Salespersons Or Collectors – Outside Description: Code 8742 is applied to outside salespersons or collectors. Since these employees are common to many businesses, they are considered to be Standard Exceptions. As such, they are classified to Code 8742 unless classification applicable to their employment includes salespersons. Under the latter circumstance the outside salespersons or collectors are assigned to the classification that includes salespersons, not Code 8742. Additional Applications and Information: Code 8742 is also applicable to outside social case or welfare workers employed by homemaker services classified to Code 8835. Employees of firms that are in the business of performing meter-reading services for entities such as utilities are classified to Code 8742. As evidenced by the individual classification footnote, meter readers employed by utilities are classified to the risk’s governing code. For example, the footnote to Code 7539 – Electric Light or Power Co., specifically references that this classification includes meter readers. 8810 Phraseology: Clerical Office Employees NOC As evidenced by this classification’s cross-reference Phraseology, professional employees of public libraries or museums operated by any municipality, i.e., village, town, county, city or state, are assigned by analogy to Code 8810. Besides the inclusion of clerical employees of public libraries, this classification contemplates library professionals such as administrators, librarians, their assistants and page persons. In instances where employees of public libraries operate mobile library units, the drivers are assigned to Code 7380. Librarians who travel in their private automobiles from their homes to mobile library locations where they perform their normal duties are properly assigned to Code 8810 as they are performing the same duties as performed at central or branch public libraries. Besides the inclusion of clerical employees of public museums, this classification contemplates museum professionals such as administrators, curators, their assistants, librarians, tour directors and lecturers, who may at times conduct classes for public education. Museum professionals who engage in the preparation of various types of exhibits and the restoration of art works are additionally assigned to Code 8810. It should be noted that even though the above references refer to public libraries and museums, private libraries and museums are classified by analogy in a manner similar to public libraries and museums. Refer to Code 9101 for the classification of all other than professional or clerical employees of libraries and museums. Certain Code 8810 operations are designated as “not otherwise classified” (NOC). These NOC operations shall apply to an insured only when no other classification more specifically describes the insured’s operations. The following is a representative list of classifications somewhat related in nature to Code 8810 operations that are not assigned to Code 8810: 8803 Auditors, Accountant or Factory Cost or Office Systematizer – Traveling

8820 Attorney 8861 Charitable or Welfare Organization – Professional Employees and Clerical 8871 Clerical Telecommuter Employees 8814 Federal Employer’s Liability Act: Clerical Office Employees 8800 Mailing or Addressing Co. and Clerical 8901 Telephone or Telegraph Co.: Office or Exchange Employees and Clerical In addition to this representative list, one should review sources such as the alphabetical index in this manual to determine whether a classification other than Code 8810 or a classification other than one on the above list is applicable to the operations being reviewed for classification purposes. 8820 Phraseology: Attorney – All Employees and Clerical, Messengers, Drivers SCOPE Code 8820 is all-inclusive as respects to employees of attorneys or law offices. The employee exposure is principally inside office work; however, the scope includes outside exposure of trial attorneys and attorneys, paralegals and other employees involved in investigative work. It is not intended to apply to “in-house” attorneys employed by business organizations. Code 8820 would also apply to any employees of attorneys or law firms performing cleaning or maintenance service in or about the premises used for professional purposes. In addition, insureds engaged in the business of providing court reporters who take depositions in law offices or other comparable locations and record legal proceedings have been assigned to Code 8820. 8831 Phraseology: Hospital – Veterinary and Drivers Description: Code 8831, the veterinary hospital classification, also is assigned to veterinarians conducting private practices in the care of animals. The classification applies to professional employees as well as nonprofessionals and the Phraseology specifically includes drivers. Clerical office employees who qualify under the Standard Exception rule of the Basic Manual are classified to Code 8810. Veterinary employees who greet clients and their animals and have exposure to harm from this encounter such as being bitten, scratched or otherwise injured by these animals are not considered clerical employees and are assigned to Code 8831. Veterinary employees who greet clients and their animals and have absolutely no exposure to any potential harm from these animals are assigned to Code 8810. Code 8831 is applicable to insureds in the business of poultry sexing as it is felt that poultry sexers are not in the business of operating a poultry farm but have duties more analogous to those of a veterinary. Animal control officers are additionally assigned to Code 8831 since their primary exposure is to animals. These officers are generally employed by government agencies. They are exposed to the hazards of animal bites, scratches and other injuries as well as diseases carried by animals they encounter. These exposures are similar to those of veterinary and animal hospital employees. The fact that in some jurisdictions these officers carry guns does not make their exposure analogous to operations included in Code 7720 – Police.

8832 Phraseology: Physician and Clerical Employees engaged in any type of service in or about premises, other than premises used for professional purposes, are to be separately rated. Does not apply where inpatient overnight care is provided. SCOPE Code 8832 is primarily intended to apply to medical providers that operate in a typical doctor’s office environment. The classification contemplates physicians, dentists, other maintenance personnel engaged exclusively in cleaning or maintaining the portion of an insured’s premises used for professional purposes and clerical office employees. Code 8832 contemplates clerical operations, whether performed in the physician’s office or elsewhere, such as in a centralized location completely separate and apart from the areas where professional services are performed. Employees of a physician’s office that is located in a hospital, who are employed by the physician and not employed by the hospital, are properly classified to Code 8832. Employees engaged in any type of service in or about an insured’s premises, other than premises used for professional purposes, are not classified to Code 8832. This interpretation is intended to apply to domestic or maintenance workers who clean or maintain a professional office as well as additional portions of an insured’s premises. Employees of this nature are classified to the appropriate domestic or building maintenance classification. This situation may occur when a domestic cleans a doctor’s office located in the doctor’s residence and cleans the rest of the residence as well, or when a doctor has an office in a commercial building and a janitor maintains the doctor’s office as well as the remainder of the building. Insureds that engage in speech therapy, physical therapy, weight control service and other medical or physical service-type risks that render their services in their offices are additionally classified to Code 8832. This code is applicable to these insureds even though they may travel to clients, provided that these insureds also maintain an office to see clients. In the event these insureds do not maintain an office to see clients but exclusively travel to residences of their clients to provide services, Code 8835 – Nursing – Home Health is assigned to their operations by analogy. 8833 Phraseology: Hospital: Professional Employees SCOPE Code 8833 is assigned to professional employees of all public or private hospitals. Please refer to Code 9040 for classification information pertaining to nonprofessional employees of hospitals. Hospitals contemplated by Codes 8833 and 9040 include general hospitals as well as those specializing in the treatment of specific infirmities. Convalescent or nursing homes operated in conjunction with hospitals are classified as hospitals. “Conjunction” as used in the preceding sentence refers to facilities at the same location. These facilities may have a common kitchen, maid service and maintenance employees. A nursing home located away from a hospital that operates without interchange of labor with the hospital is separately rated. Satellite dispensaries, emergency medical treatment facilities and clinics operated on the hospital’s premises are considered incidental to the hospital operation and are properly classified to the hospital codes. Facilities of this nature away from the hospital premises that do not provide overnight accommodations are classified to Code 8832 – Physicians. The following is applicable to hospitals employing volunteer workers in states where such workers are entitled to benefits under the worker’s compensation law: The classification applicable to volunteer workers shall be the same as those applicable to other workers or the insured involved in the same operations. Except as otherwise provided, premium shall be determined on the basis of the pay normally received by regular employees doing the same or similar work. A comprehensive listing of hospital job descriptions that are considered professional in nature follows. It should be noted that employees in job descriptions with an asterisk may be assignable to Code 8810. This would be those employees whose duties are clerical in nature and who would qualify under the Standard Exception classifications rule of the Basic Manual, i.e., those employees engaged exclusively in

bookkeeping, in record-keeping, in correspondence or other office work, in areas physically separated from other operations by structural partitions. However, if these employees have any other professional (hospital) duties, Code 8833 would apply. Certain occupations below do not have asterisks. In the unlikely event that employees engaged in these occupations meet the conditions of the Standard Exception rule for assignment to Code 8810, this code may be assigned even though there is no asterisk next to the employee’s profession. Accountant Histologist Accounts Payable Clerk* Histo-Pathologist Accounts Receivable Clerk* Information Clerk* Administrative Assistant* Instructor, Clinical Administrative Secretary* Instructor, Nursing Arts Administrator (Directory, Supt.) Instructor, Science Admitting Clerk* Interviewer* Admitting Officer* Job Analyst Anesthesiologist Laboratory Assistant Anesthetist Manager, Credit and Collections* Artist, Medical* Manager Personnel* Assistant Administrator* Medical Director Assistant Administrator, Medical* Medical Illustrator* Assistant Admitting Officer* Medical Librarian* Assistant Director Nursing Education Medical Photographer Assistant Director Nursing Evening/Night Medical Record Librarian* Assistant Director Nursing Service Medical Technician – Blood Bank Assistant Laboratory Technician Medical Technologist Assistant Purchasing Agent* Medical Technologist, Chief Attendant Occupational Therapy Nurse Anesthetist Attendant Physical Therapy Nurse, Head Bacteriologist Nurse, Practical Bacteriology Technician Nurse, Staff Biochemist Nurse Supervisor Biochemistry Technician Nurse, Visiting Blood Bank Technician Nurse’s Aide Bookkeeper, General* Occupational Therapist Cashier Office Clerk* Chemist, Biological Oral Hygienist Chief Pharmacist Orderly Chief, Pathology Pathologist Clerk, General Office* Payroll Clerk* Clerk-Typist* PBX Operator* Clinic Technician Pharmacist* Collection Clerk* Pharmacy Helper Comptroller-Controller* Physiatrist Counselor Physical Therapist* Credit Manager* Physio-Therapist Darkroom Helper Posting Clerk* Dental Assistant Prophylactician* Dental Laboratory Technician Public Relations Officer* Dental Technician Purchasing Agent* Dentist Radiographer Dietitian Administrative* Radiologist Dietitian Chief* Receptionist* Dietitian Teaching* Recreational Therapist

Dietitian Therapeutic* Roentgenologist Dining Room Supervisor Secretary Director, Medical Social Service* Secretary, Medical* Director of Nursing Serologist Director, Outpatient Services* Serology Technician Director, Personnel Social Worker, Medical Director, Personnel Administration* Social Worker, Psychiatric Director, Public Relations* Stenographer* Director, Recreational* Supervisor Central Supply Director, Volunteer Services* Supervisor Med. Social Services Electrocardiograph Technician Switchboard Operator* Employment Manager Telephone Operator* Floor Clerk* Tissue Technician Food Service Supervisor Training Manager General Bookkeeper Training Officer Hematologist Ward Clerk Hematology Technician X-Ray Technician 8835 Phraseology: Home, Public and Traveling Healthcare – All Employees Description: Code 8835 is assigned to both public and privately owned enterprises engaged in furnishing healthcare services in the homes of individual patients. The employees rendering such services can be registered nurses, licensed practical nurses, certified nurses’ aides, social workers, therapists and home health aides. Employees of this nature are principally engaged in administering medications, intravenous therapy and injections, wound care, checking vital signs of patients, giving physical therapy treatments, educating and counseling, etc. Home infusion pharmacies manufacture infusion/intravenous pharmacy solutions. These solutions, along with related equipment, are delivered to patients’ locations. These risks may also employ nurses who educate the patient on proper use of the product. This process may take place in a hospital (with a patient that is about to get discharged) or at the patient’s home. The home visit may include changing medical dressings, administering infusion pharmacy solution, cleaning the treatment area, and additional patient education. The preparation of the infusion products is assigned to the appropriate pharmaceutical preparation code (e.g. Code 4611 or Code 4825). The visiting nurses are assigned to Code 8835. Code 8835 also is assigned to visiting nurses employed by insurance companies who are engaged in administering physical therapy or other forms of medical assistance to claimants. Code 8835 is not assignable to employees of a temporary labor contractor unless these employees perform their duties in private residences. Employees of a temporary labor contractor furnished to and contracted by a nursing or convalescent home are assigned to Code 8829, the nursing home classification, while employees furnished to a hospital are assigned to the appropriate hospital classification, either Code 8833 for professional employees or Code 9040 for all other employees. Home healthcare providers operating as temporary labor contractors are assigned to Code 8835 if their services are furnished to and hired by an individual who resides in a nursing or convalescent home. Certain individuals who perform services for the Code 8835 risk may perform these services as contract employees. The status of these individuals as to whether they are employees or independent contractors may vary from state to state and among individual employers in a state. As such, their employment status for worker’s compensation purposes must be determined based upon individual employment relationships between various insureds and their contracted personnel and the laws of individual jurisdictions. The determination as to whether the individual is an employee for worker’s compensation purposes is not made by NCCI.

Description: Code 8835 is assigned to both public and privately owned businesses that provide physical assistance in the activities of daily living such as physically assisting a household member with walking or using prescribed equipment; physically assisting a household member with bowel or bladder needs; physically assisting a household member with bathing, personal hygiene, dressing, or grooming; physically assisting a household member with meal preparation, eating and clean-up; physically assisting in transferring a household member in and out of bed; and physically assisting in the body repositioning of a household member. Duties may also include performing household duties such as cooking, laundry, shopping, and housekeeping. The home healthcare aide or personal care provider may occasionally check patients’ pulse rate and temperatures, organize medications, empty bedpans and clean catheters. 8868 Phraseology: College: Professional Employees and Clerical SCOPE Code 8868 is applied to professional employees of academic, trade or vocational institutions of learning. The classification includes professors, administrators, teachers, guidance counselors, social workers, therapists, nurses, athletic coaches and clerical employees. Employees who assist these professional employees by performing similar or related duties to those in which these professionals engage are additionally assigned to Code 8868. It is recognized that these assistants may be not be considered “professional” to the extent that they may be unlicensed or not have the necessary academic credentials. Nevertheless, we consider these employees to be professional for classification purposes as their exposure is similar to those they are assisting. Examples of this type of employee include, but are not limited to, teachers or nurse’s aides or assistant athletic coaches. Refer to Code 9101 for classification assignments or nonprofessional employees of these institutions. Professional employees of agricultural schools who, as part of their teaching activities, demonstrate various planting techniques on farms operated by such schools, are also contemplated under this classification provided the farms are not operated as commercial enterprises. The incidental sale of a minor amount of surplus produce would not preclude the assignment of Code 8868 for professional farm employees. A so-called “senior citizen center” is classified according to the nature of the center’s operations. Senior citizen centers where seniors go to engage in physical activities in an environment similar to operations described in Code 9063’s scope are assigned to that code. Senior citizen centers where seniors engage in nonexercise-type activities such as arts and crafts or meet to engage in discussions or hold an occasional social event such as a dance or birthday party are classified to Code 9061. Senior citizen centers where seniors are in need of care and limited medical assistance are classified to Codes 8868 and 9101. Usually, seniors who visit the latter type of center are driven to and from the center by others. In effect, the business of this type of operation is to maintain a place for seniors to spend time in a supervised environment while those such as family members who usually supervise the senior during the day are engaged in other activities. Operations of this nature that also provide overnight sleeping accommodations are not contemplated by Codes 8868 and 9101. In no event are senior citizen centers classified to the child day-care center classifications, Codes 8869 and 9059. 9015 Phraseology: Buildings – Operation By Owner Or Lessee Or Real Estate Management Firm: All Other Employees SCOPE Code 9015 is applicable to buildings operated by owners, lessees or real estate management firms. Buildings operated by public housing authorities are properly classified to Code 9033. Buildings operated by contractors are properly classified to Code 9014. 9102

Phraseology: Park NOC – All Employees And Drivers Note: Operation, care and maintenance of amusement devices to be separately rated as Code 9180 – Amusement Device Operation. Description: Code 9102 is applied to all employees engaged in the operation of pubic parks, which may be owned or operated by administrative agencies of federal, state, county or municipal governments or civic organizations such as Rotary Clubs, Kiwanis Clubs, Chambers of Commerce and Police Benevolent Associations. Operations in Code 9102 include the care, custody and maintenance of all buildings within the parks such as administrative buildings, rest houses, pavilions, stables and equipment storage buildings; maintenance of park grounds, trees, shrubs and flowers; and maintenance of baseball diamonds, tennis courts, swimming pools and zoos. Code 9102 also applies to all employees who perform any form of recreational activities instruction. The maintenance of golf course grounds located within parks is included in Code 9102, provided these maintenance operations are performed in conjunction with and by the same crew of workers responsible for the park grounds. Caddies at golf courses where grounds maintenance workers are assigned to Code 9102 are classified to Code 9060 – Golf Course – Not Miniature – Public or Private. Related Operations Not Classified to Code 9102:

When a public golf course operation is located within a park and is conducted as a separate undertaking or enterprise with it own employees for whom separate payroll records are maintained, the operation is separately classified under Code 9060.

Certain Code 9102 operations are designated as “not otherwise classified” (NOC). These NOC operations will apply to an insured only when no other classification more specifically describes the insured’s operations. The following is a representative list of classifications somewhat related in nature to Code 9102 operations that are not assigned to Code 9102: 9016 amusement park operations 9182 athletic park operations 9220 cemetery operations 0042 landscape gardening 0106 tree pruning, repairing, and spraying Description: Insureds that perform maintenance of lawns, grounds and gardens are assigned by analogy to Code 9102. The maintenance may involve lawn mowing, raking, application of liquid or granular fertilizer, spraying and trimming of shrubs or small trees from the ground, and thatching or aerating. If any one or all of the above operations are performed by a lawn maintenance risk classified to Code 9102, then minor and incidental landscaping operations performed by the same risk, such as the replacement of dead shrubs, the planting of a few flowers, and the placing of rock or brick as edging designs are included under Code 9102. This minor landscaping operation is distinguished from work performed by an insured at a job or location where the primary work at the job or location is landscaping. 9403 Phraseology: Garbage, Ashes Or Refuse Collection And Drivers Reduction, rendering or fertilizer plants to be separately rated. SCOPE Code 9403 is applied to insureds engaged in public or private collection of garbage, ashes or refuse and the transporting of same to waste reduction or incinerator plants, rendering or fertilizer plants or dumps. There is not distinction as to the types of garbage or refuse collected, i.e., solid or liquid,

commercial, industrial or residential. Also, no distinction is made as to the methods used to collect the garbage or refuse. Some insureds empty cans or drums manually or toss filled plastic trash bags into trucks. Others operate mechanical equipment to lift containerized waste and dump the waste into trucks, or entire containers may be loaded onto truck chassis and empty containers are left for refilling. Drivers who remove residue from reduction or incinerator plants are also assigned to Code 9403 in accordance with the directive footnote of Code 7590 – Garbage Works. Additionally, manure dealers who purchase and collect their product from stockyards, dairy farms and other types of animal farms and subsequently sell it as fertilizer are assigned by analogy to Code 9403. Insureds engaged in collecting and hauling shredded documents from office locations to a disposal site are also assigned to Code 9403 by analogy. Refer to Code 8264 for insureds engaged in shredding sensitive documents at office locations. 9410 Phraseology: Municipal, Township, County Or State Employee NOC Governmental occupations assigned to code 9410: Board of Health Inspectors Home Economist Building Inspectors Laboratory Work (Not Hospital Employees) Clerk of the Works Mine Inspectors Dog Catcher (Not Police Officer Having Planning Board - Engineer Power of Arrest) Electrical Inspectors Tax Assessors Engineers (Not in Direct Charge of Work) Welfare Workers Major governmental occupations assigned to classifications other than code 9410: Accountant 8810 Accounting Clerk 8810 Agriculture Agent: Education 8868/9101 Airport Operations: Airplane Crew 7418 Helicopter Crew 7425 Ground Crew and Drivers 7423 Attorneys, All Employees and Clerical, Messengers, Drivers Attendants-Juvenile Home and Drivers 7720 Auditor: Office 8810 Traveling 8803 Board of Commissioners 8810 Bookmobile Drivers 7380 Bridge or Vehicular Tunnel Operator and Drivers 9019 Building Maintenance 9015/Gov. Cemetery Operation and Drivers 9220 Chairman of Board of Commissioners 8810 Chairman of Board of Elections and Polling Clerks 8810 Christmas Lights and Decorations Installations: Outside 5102 Within Buildings - and Drivers 5190 Circuit Court – Officer and Drivers 7720 City Clerk 8810

City Manager 8810/9410** City Planner 8810/9410** Civil Defense Director 8810/9410** Clerk of Court 8810 Coroner and Clerical 8832 County Home: If Hospital- Professional Employees 8833 All other Employees 9040 If Nursing Home – All Employees 8829 Court Recorder 8810 Criminal Laboratory Technicians and Drivers 7720 District Attorneys – All Employees and Clerical, Messengers, Drivers 8820 Dump Operations – All Employees and Drivers 9403 Electric Light or Power Company and Drivers 7539 Executive Secretary** 8810/9410** Firemen – Miscellaneous Employees – Not Regular or Volunteer Members of the Fire Department and Drivers 7704 Garbage Collectors – Including Containerized Collection and Drivers 9403 Garbage Dump – Landfill – All Employees and Drivers 9403 Garbage Works – Incineration or Reduction 7590 Drivers and Helpers 9403 Health Department: Director 8832 Doctor 8832 Nurses 8832 Clerical 8832 Janitor 8832 Hospital: Professional Employees 8833 All Other Employees 9040 Ambulance Drivers (If Not Member of Fire or Police Department) 7370 Industrial Development Commission 8742 Jails or Prisons – Miscellaneous Employees Not Regular or Volunteer Policemen and Drivers 7720 Judge 8810 Justice of the Peace 8810 Library: Librarians and Clerical 8810 All Other Employees 9101 Bookmobile Drivers 7380 Maintenance Garage: Department Maintenance Garages – Each Department Servicing Gov. Code Own Equipment for Dept. Mayor and Commissioners 8810 Moderator 8810 Mosquito Extermination or Control by Spraying and Drivers 0106 Parks and Recreation Activities – All Operations and Drivers 9102 Parking Meter Repair and Salespersons, Drivers 5192 Parking Meter Change Collectors and Salespersons, Drivers 5192 Personnel Board 8810 Planning Board – Officer 8810 Police Department – Miscellaneous Employees – Not Regular or Volunteer Policemen and Drivers 7720

Probation Officers and Drivers 7720 Purchasing Board 8810 Register of Deeds 8810 Rinks – Open to Public and Drivers 9016 Secretary*** 8810*** Sewage Disposal Plant – Including Drivers 7580 Sewer Cleaning and Drivers 9402 Sewer Construction – All Operations and Drivers 6306 Schools: Teachers – Professional and Clerical 8868 All Other Employees 9101 Bus Drivers 7382 Snow Removal and Drivers 5509 Social Workers 8742 Street Cleaning and Drivers 5509 Street or Road Construction: Paving, Repairing, Surfacing or Resurfacing and Drivers 5506 Clearing of New Right of Way to Subbase and Drivers 5507 Rock Excavation – Quarrying and Drivers 5508 Street or Road Maintenance and Drivers 5509 Swimming Pool –Public: Not Connected with Parks 9015 Connected with Recreational Parks and Drivers 9012 Tax Collector 8810 Traffic Line or Road Marking and Drivers 5509 Trash Collectors – Including Containerized Collection and Drivers 9403 Tree Department – All Employees and Drivers 0106 Truant Officer 9101 Veterinarian and Driver 8831 Veterans Service Officer 8810 Waterworks Operation- All Employees Including Store Employees and Drivers 7520 Water Main Construction and Drivers 6319 **A department classified by two codes, e.g., Codes 8810 and 9410, means that that particular job description might be classified by more than one classification depending on the actual duties. The codes listed are the most appropriate codes used. SCOPE Code 9410 contemplates governmental occupations enumerated in its footnote as well as tax assessors, property appraisers, tax collectors, toll collectors, directors of public works not in direct charge of work and welfare workers. Representative municipal occupations assigned to classifications other than Code 9410 and their respective classification assignments are animal control officers – 8831; attendants – juvenile home – 7720; attorney – city – 8820; bookmobile driver – 7380; court officer (bailiff) – 7720; city manager – 8810; doctors – health department – 8832 and 8833 (see below); firefighters – 7704; garbage collectors – 9403; garbage works – 7590; janitors – 9015; judge – city – 8810; mayor and commissioners – 8810; municipal garage – 8380; police officers – 7720; probation officers – 7720; recreation department – 9102; school board employees – 8868; sewage treatment – 7580; sewer construction – 6306; snow removal – 9402; street cleaning – 9402; street construction – 5507 and 5506; visiting nurses – 8835; waterworks – 7520. The assignment of the above occupations to Code 9410 and other code numbers listed is in no way intended to supersede the General Inclusion rule of the Basic Manual. For example, employees engaged exclusively in the maintenance and repair of police vehicles are assigned to Code 7720. The assignment of Code 8380 – Auto Repair and Service Center, has been restricted to those municipal garages that service and repair vehicles for more than one department in a “motor pool” arrangement.

An additional example of including employments typically found in an enterprise to the one best code applicable to that enterprise is the assignment of Code 7580 to a sewage treatment or disposal plant operated by a governmental agency. As evidenced by this code’s scope, the extension of pipelines from this type of plant, when performed by the entity operating the plant, is assigned to Code 7580, not Code 6306. Code 6306 would only be applicable to a governmental agency that engages in operations contemplated by Code 6306 (e.g., the construction of a sewer system). Doctors and health departments may be classified to either Code 8832 – Physician, or Codes 8833 and 9040 – Hospitals. Refer to these scopes for information regarding the assignment of these classifications. Coroners are public officials who investigate deaths thought to have resulted from other than natural causes. As Code 7720 – Police Officers includes all employees of police departments except clerical office employees, coroners who are employees of police departments are classified to Code 7720. In the event a coroner’s office is a separate enterprise, Code 8832 is applicable to the operation. This classification procedure is consistent with the “one best code” methodology discussed above. Similarly, civil defense authorities or engineers who are employees of another department or “enterprise” of a municipality are classified as employees of that department or enterprise provided that the department may ordinarily be expected to employ civil defense workers or engineers. Civil defense authorities that are independent of other departments or are attached to departments that ordinarily would not contemplate civil defense workers are assigned to Code 9410. Engineers that are independent of other departments or are attached to departments that ordinarily would not contemplate engineers are assigned to Code 9410 or Code 8601, if qualified, per requirements described in Code 8601.