TITLE 20: DEPARTMENT OF COMMERCE

Chapter 40.3. TITLE 20: DEPARTMENT OF COMMERCE

TITLE 20: DEPARTMENT OF COMMERCE SUBCHAPTER 20-40.3 NORTHERN MARIANAS INSURANCE ASSOCIATION WORKERS= COMPENSATION TARIFF AND UNDERWRITING MANUAL ’ 20-40.3-420 Payroll Assignment; Part 001 General Provisions Multiple Classifications ’ 20-40.3-001 Special Condition; ’ 20-40.3-425 How to Show Definition Classification in Item 4 of the Information or Declarations Page Part 100 General Rules ’ 20-40.3-101 Workers= Compensation Part 500 Premium Basis; Item 4 of the ’ 20-40.3-105 Policy Forms Information Page ’ 20-40.3-501 Basis of Premium; ’ 20-40.3-110 Application of Manual Total Remuneration Rules ’ 20-40.3-505 Remuneration; Payroll ’ 20-40.3-115 Effective Date ’ 20-40.3-510 Estimated Payrolls ’ 20-40.3-120 Anniversary Rating ’ 20-40.3-515 Whole Dollars; Payrolls Date ’ 20-40.3-125 Loss Cost Values Part 600 Rates and Premium Determination; Item 4 of the Information Part 200 Explanation of Coverage and Page Methods of Insuring ’ 20-40.3-601 Rates ’ 20-40.3-201 Part One; Workers= ’ 20-40.3-605 Premium Determination Compensation Insurance ’ 20-40.3-610 Whole Dollars; ’ 20-40.3-205 Part Two; Employers= Premiums Liability Insurance ’ 20-40.3-615 Expense Constant ’ 20-40.3-210 Part Three; Voluntary ’ 20-40.3-620 Minimum Premium Compensation Insurance ’ 20-40.3-625 Deposit Premium ’ 20-40.3-630 Premium Determination Part 300 Policy Preparation; Insured, for Federal and Maritime Insurance Policy Period and State of Operations Items l, 2 and 3.A of the Information or Part 700 Limits of Liability; Item 3.B Declarations Page of the Information Page ’ 20-40.3-301 Explanation of Terms ’ 20-40.3-701 Workers= Compensation ’ 20-40.3-305 Name, Address and and Employers= Liability Policy Other Workplaces of Insured; Item 1 ’ 20-40.3-705 Employers= Liability ’ 20-40.3-310 Policy Period; Item 2 Insurance; Without Workers= Compensation Insurance (at Carriers= Discretion) Part 400 Classification; Item 4 of the ’ 20-40.3-710 Voluntary Information or Declaration Page Compensation Insurance ’ 20-40.3-401 General Information ’ 20-40.3-405 Explanation of Part 800 Special Conditions or Classifications Operations Affecting Coverage and ’ 20-40.3-410 Classification Wording Premium ’ 20-40.3-415 Assignment of ’ 20-40.3-801 Executive Officers Classifications ’ 20-40.3-805 Partners and Sole

TITLE 20: DEPARTMENT OF COMMERCE Proprietors ’ 20-40.3-1110 Coverage ’ 20-40.3-810 Subcontractors ’ 20-40.3-1115 Exclusions ’ 20-40.3-815 Self Insured Employers; ’ 20-40.3-1120 Limit of Liability Requirements ’ 20-40.3-1125 Classifications and Rates Part 900 Cancellation ’ 20-40.3-1130 Waters Not under ’ 20-40.3-901 Who May Cancel Admiralty Jurisdiction ’ 20-40.3-905 Premium Determination; Cancellation by the Insurance Part 1200 Domestic Workers; Carrier Residences ’ 20-40.3-910 Premium ’ 20-40.3-1201 Definitions Determination; Cancellation by the Insured ’ 20-40.3-1205 Coverage; Voluntary When Retiring from Business Compensation Insurance ’ 20-40.3-915 Premium ’ 20-40.3-1210 Name of Insured Determination; Cancellation by the Insured, ’ 20-40.3-1215 Classifications Exert When Retiring from Business ’ 20-40.3-1220 Rates and Premium ’ 20-40.3-920 Short Rate Cancellation ’ 20-40.3-1225 Minimum Premium Table for Term of One Year Part 1300 Final Earned Premium Part 1000 Longshore and Harbor Determination Workers= Compensation Act ’ 20-40.3-1301 Actual Payroll ’ 20-40.3-1001 General Information ’ 20-40.3-1305 Premium Determination ’ 20-40.3-1005 Workers= Compensation ’ 20-40.3-1310 Audit Rights of Carrier Insurance; Part One ’ 20-40.3-1010 Employers= Liability Part 1400 Miscellaneous Provisions Insurance; Part Two (at Carriers= Discretion) ’ 20-40.3-1401 Excess Insurance (at ’ 20-40.3-1015 Classification and Rates Carriers Discretion) ’ 20-40.3-1020 Extensions of the Longshore and Harbor Workers= Appendix A Classification and Tariff Compensation Act Section Appendix B Interpretation Section Part 1100 The Admiralty Law and Appendix C Cancellation Tables Federal Employer=s Liability Act Appendix D Manual Supplement - ’ 20-40.3-1101 General Information Treatment of Disease Coverage ’ 20-40.3-1105 Description of Coverage Programs Subchapter Authority: 1 CMC ’ 2454; 4 CMC ’ 7105(b). Subchapter History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: 1 CMC ’ 2451 originally created the Department of Commerce and Labor. 1 CMC ’ 2454 directs the Department to adopt rules and regulations regarding those matters over which it has jurisdiction. Title 4, division 7 of the Commonwealth Code, 4 CMC ” 7101-7509, codifies PL 3-107 (effective Feb. 24, 1984), the ACommonwealth Insurance Act of 1983,@ and governs the insurance business in the Commonwealth. 4 CMC ’ 7104 creates the Insurance Commissioner of the Commonwealth with the powers and duties to administer the act and promulgate rules and regulations necessary for effectuating the act. 4 CMC ” 7104 and 7105(b).

TITLE 20: DEPARTMENT OF COMMERCE Executive Order 94-3 (effective August 23, 1994) reorganized the Commonwealth government executive branch, changed agency names and official titles and effected numerous other revisions. According to Executive Order 94-3 ’ 103: Section 103. Department of Commerce. The Department of Commerce and Labor is re-designated the Department of Commerce. The full text of Executive Order 94-3 is set forth in the commission comment to 1 CMC ’ 2001. Part 001 - General Provisions ’ 20-40.3-001 Special Condition; Definition Rate: When reference is made to Arate@ it shall refer to rate filed with and approved by the Office of the Insurance Commissioner. History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Part 100 - General Rules ’ 20-40.3-101 Workers= Compensation Policy forms means workers= compensation and employers= workers= compensation as used in the manual in this subchapter means workmen=s compensation, workers= compensation or occupational disease. Modified, 1 CMC ’ 3806(d), (f), (g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: With the exception of Aworkmen=s,@ the commission inserted the apostrophes in this section to correct manifest errors. ’ 20-40.3-105 Policy Forms Liability insurance policy, endorsements, information or declarations page as filed and approved by the Office of the Insurance Commissioner. (a) Endorsement forms - Pending analysis of carrier=s endorsement wordings. Modified, 1 CMC ’ 3806(f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). ’ 20-40.3-110 Application of Manual Rules Rules in this subchapter apply separately to each policy. Modified, 1 CMC ’ 3806(d), (f).

TITLE 20: DEPARTMENT OF COMMERCE History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). ’ 20-40.3-115 Effective Date (a) Manual - The manual in this subchapter takes effect upon the designated approval date of the Office of the Insurance Commissioner (b) Changes - The effective date of a change in any rule, classification or rate is after filing with the Office of the Insurance Commissioner is subject to the designated approval date of the same. Any change will be issued on a reprinted page and will be designated by a A*.@ Modified, 1 CMC ’ 3806(d), (f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). ’ 20-40.3-120 Anniversary Rating Date (a) Definition - The anniversary rating date is the effective month and day of the policy in effect and each annual anniversary thereafter unless a different date has been established by the Office of the Insurance Commissioner or the Workers= Compensation Commission. (b) Rewritten Policies - If a policy is canceled and rewritten by the same or another carrier, all rules, classifications and rates of the rewriting carrier, which were in effect as of the anniversary rating date, shall apply to the rewritten policy until the next anniversary rating date. Modified, 1 CMC ’ 3806(g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The Commission inserted a dash after “Definition” in subsection (a) pursuant to 1 CMC § 3806(g). In subsection (a), the commission changed AWorkers@ to AWorkers=@ to correct a manifest error. The Commission corrected the spelling of “annual” in subsection (a) pursuant to 1 CMC § 3806(g). ’ 20-40.3-125 Loss Cost Values Loss cost values are the portion of the rate that covers projected claim payments and loss adjusting expenses expected for each $100 of payroll. History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Part 200 - Explanation of Coverage and Methods of Insuring ’ 20-40.3-201 Part One; Workers= Compensation Insurance (a) Description of Worker=s Compensation Coverage. Workers= compensation insurance provides coverage for the statutory obligation of an employer to provide benefits for employees as required by Public Law 6-33.

TITLE 20: DEPARTMENT OF COMMERCE (b) Longshore and Harbor Worker=s Compensation Act Coverage (where applicable). Longshore and Harbor Worker=s Compensation Act insurance may be provided only by attaching the Longshore and Harbor Workers= Compensation Act coverage endorsement (WC 00 01 06) to an approved policy form. Refer to part 1000. Modified, 1 CMC ’ 3806(c), (f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: In subsection (a), the commission changed AWorkers@ to AWorkers=@ to correct a manifest error. The Commission inserted periods after the subsection titles and corrected the spelling of “longshore” in subsection (b) pursuant to 1 CMC § 3806(g). ’ 20-40.3-205 Part Two; Employers= Liability Insurance (a) Description of Employers= Liability Coverage. (1) Employers= liability insurance provides coverage for the legal obligation of an employer to pay damages because of bodily injury by accident or disease, including resulting death sustained by an employee. Employers= liability coverage applies only if the injury or death of an employee arises out of and in the course of employment and is sustained: (i) In the United States of America, its territories or possessions, or Canada; or (ii) While temporarily outside the United States of America, its territories or possessions, or Canada, if the injured employee is a citizen or resident of the United States or Canada; but suits for damages and actions on judgments must be in or from a court of the United States, its territories or possessions or Canada. (2) Unless specifically excluded, part two employers= liability insurance provides coverage for the liability of an employer under admiralty law and the Federal Employers= Liability Act. (b) Employers= Liability for Diseases. Employers= liability insurance for diseases not covered by a workers= compensation law or an occupational disease law is provided by the standard policy. (c) Admiralty Law or Federal Employers= Liability Act. Employers= liability insurance for liability of an employer under admiralty law or Federal Employers= Liability Act is provided by the policy. Refer to part 1100 for rules and endorsements to cover, limit or excluded this exposure. (d) Employers= Liability Insurance with Workers= Compensation Insurance. Employers= liability insurance written with workers= compensation insurance is provided by the policy. (e) Employers= Liability Insurance without Workers= Compensation. Employers= liability insurance without workers= compensation insurance is permissible only where all employees of the employer are excluded from a workers= compensation law by requirement or have elected not to be subject to the law. Modified, 1 CMC ’ 3806(c), (f), (g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003).

TITLE 20: DEPARTMENT OF COMMERCE Commission Comment: The original paragraphs of subsection (a) were not designated. The commission designated subsections (a)(1) and (a)(2). The commission inserted apostrophes and periods throughout this section as appropriate. ’ 20-40.3-210 Part Three; Voluntary Compensation Insurance (a)(1) Voluntary compensation insurance does not provide workers= compensation coverage and is not available to employments subjected to a workers= compensation law. This insurance affords the benefits of a designated compensation law as if the affected employees were subject to that law, even though the law does not require payment of benefits to such employees. (2) Voluntary compensation insurance shall not provide compensation, medical or other benefits in excess of the statutory requirements in the workers= compensation law designated in the voluntary compensation and employer=s liability coverage endorsement. (b) How Provided. Voluntary compensation insurance is provided by attaching a voluntary compensation and employers= liability coverage endorsement as filed with and approved by the Office of the Insurance Commissioner to the standard policy. Refer to part 700 for rules and rates. Modified, 1 CMC ’ 3806(c), (f), (g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The original paragraphs of subsection (a) were not designated. The commission designated subsections (a)(1) and (a)(2). The commission inserted apostrophes throughout this section as appropriate and inserted a period at the end of the title of subsection (b) pursuant to 1 CMC § 3806(g). Part 300 - Policy Preparation; Insured, Policy Period and State of Operations Items l, 2 and 3.A of the Information or Declarations Page ’ 20-40.3-301 Explanation of Terms (a) Employer - Employer may be an individual, partnership, joint venture, corporation, association, or a fiduciary such as a trustee, receiver or executor, or other entity. (b) Insured - The insured is the employer designated in item 1 of the information or declarations page. (c) Majority Interest - As may be more defined under the experience rating plan manual, the majority interest usually applies to: (1) The majority of voting stocks; or (2) The majority of members directors if there is no voting stock; or (3) Majority participation of general partners in profits of a partnership. (d) Risk - The term applies to all insured application of one employer within a state.

TITLE 20: DEPARTMENT OF COMMERCE Modified, 1 CMC ’ 3806(f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The Commission corrected the commas in subsections (c)(1) and (c)(2) to semicolons pursuant to 1 CMC § 3806(g). ’ 20-40.3-305 Name, Address and Other Workplaces of Insured; Item 1 (a) Combination of Legal Entities - Separate legal entities may be insured in one policy only if the same persons, or group of persons, owns the majority interest in such entities. Classification shall be applied separately to each legal entity. (b) Single Location - All operations of any one employer at a single location shall be insured in one policy. (c) Multiple Locations - All locations and operations of the employer in the CNMI shall be insured in one policy if required by the state workers= compensation law. Modified, 1 CMC ’ 3806(g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: In subsection (a), the commission changed Aowners@ to Aowns@ to correct a manifest error. In subsection (c), the commission inserted an apostrophe in Aworkers.@ ’ 20-40.3-310 Policy Period; Item 2 (a) Normal Policy Period - The normal policy period is one year. A policy may be issued for any period not longer than three years. (b) Annual Policies - The manual rules are based on a policy period of one year. A policy issued for a period not longer than one year and 16 days is treated as a one-year policy. (c) Policies Longer than One Year - A policy issued for a period longer than one year and 16 days, other than a three year fixed rate policy, is treated as follows: (1) The policy period is divided into consecutive 12 months units. (2) If the policy period is not a multiple of 12 months, use the policy period endorsement to specify the first or last unit of less than 12 months as a short-term policy. (3) All manual rules and procedures apply to each such unit as if a separate policy had been issued for each unit. Modified, 1 CMC ’ 3806(f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Part 400 - Classification; Item 4 of the Information or Declaration Page ’ 20-40.3-401 General Information

TITLE 20: DEPARTMENT OF COMMERCE The object of the classification system is to group employers into classifications so that the rate for each classification reflects the exposures common to those employers. Subject to certain exceptions described later in this part, it is the business of the employer within a state that is classified, not the separate employments, occupations or operations within the business. Modified, 1 CMC ’ 3806(d). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). ’ 20-40.3-405 Explanation of Classifications (a) Basic Classifications. (1) All classifications in the manual in this subchapter are basic classifications, other than the standard exception classifications. Basic classifications describe the business of an employer, such as: Business Classification Manufacture of a Product Furniture Mfg. A Process Engraving Construction or Erection Carpentry A General Type or Character of Business Hardware Store A Service Beauty Parlor (2) Classifications are listed alphabetically in the classification section of this subchapter. Notes following a classification are part of that classification. (b) Standard Exception Classifications. Some occupations are common to so many business that special classifications have been established for them. They are called standard exception classifications. Employees within the definition of a standard classification are not included in the basic classification unless the basic classification specifically includes those employees. The standard exception classifications are defined below: (1) Clerical Office Employees: Code 8810: are employees engaged exclusively in bookkeeping, in record keeping, in correspondence, or in other office work where books and other records are kept or correspondence is conducted. This classification applies only to employees who work in areas physically separated from other operations by structural partitions and in which work of clerical office employees as defined in this part is performed exclusively. If such an employee has any other duty, the total payroll of that employee shall be assigned to the highest rated classification of operations to which the employee is exposed. (2) Drafting Employees: Code 8810: are employees engaged exclusively in drafting and confirmed to office work. The entire payroll of any such employees exposed to any other operations shall be assigned to the highest rated classification of operations to which they are exposed. (3) Drivers, Chauffeurs and Their Helpers: Code 7380: are employees engaged in such duties on or in connection with a vehicle. This classification also includes garage employees, stablehands and employees using bicycles in their operations. (4) Salesperson, Collectors or Messengers - Outside - Code 8742 - are employees engaged in

TITLE 20: DEPARTMENT OF COMMERCE such duties away from the employer=s premises. This classification shall not apply to employees who deliver merchandise. Employees who deliver merchandise shall be assigned to the classification applicable in that risk to drivers even though they collect or sell. If they walk or use public transportation, they shall be assigned to the governing classification. (c) General Inclusions. (1) Some operations appear to be separate businesses, but they are included within the scope of all classifications other than the standard exception classifications. These operations are called general inclusions and are: (i) Commissaries and restaurants for the insured=s employees. Such operations shall be assigned to a separate classification if conducted in connection with construction, erection, lumbering or mining operations. (ii) Manufacture of containers such as bags, barrels, bottles, boxes, cans, cartons or packing cases by the employer for use in the operations insured by the policy. (iii) Hospital or medical facilities operated by the insured for its employees. (iv) Maintenance or repair of the insured=s buildings or equipment by the insured=s employees. (v) Printing or lithographing by the insured on its own products. (2) A general inclusion operation shall be separately classified only if: (i) Such operation shall be separate and distinct business of the insured as provided in ’ 20- 40.3-415 below, or (ii) It is specifically excluded by the classification wording, or (iii) The principal business is described by a standard exception classification. (d) General Exclusions. Some operations in a business are so unusual that they are excluded from basic classifications. They are classified separately unless specifically included in the basic classification wording. These operations are called general exclusions and are: (1) Aircraft operation - all operations of the flying and ground crew. (2) New construction or alterations by the insured=s employees. (3) Stevedoring, including tallying and checking incidental to stevedoring. (4) Sawmill operations - sawing logs into lumber by equipment such as circular carriage or band carriage saws, including operations incidental to the sawmill. (5) Employer operated day care services. (e) Governing Classification. The governing classification at a specific job or location is the classification, other than a standard exception classification, that produces the greatest amount of payroll. Modified, 1 CMC ’ 3806(c), (d), (f), (g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The original paragraphs of subsection (a) were not designated. The commission designated subsections (a)(1) and (a)(2). The Commission inserted periods at the ends of the subsection titles pursuant to 1 CMC § 3806(g). In subsection (d)(4), the commission inserted the word Aas@ after Asuch@ to correct a manifest error.

TITLE 20: DEPARTMENT OF COMMERCE ’ 20-40.3-410 Classification Wording (a) Captions. Captions which precede related classifications are a part of the classification wording. (b) Notes. Notes following a classification are part of that classification and control its use. Example of (a) and (b): Store: Fruit or vegetable - retail No handling of fresh meats. In this example, ASTORE@ is the caption and ANo handling of fresh meats@ is the note. Both are part of the classification wording. (c) Words and Phrases. (1) All Employees, All Other Employees, All Operations, or All Operations to Completion. If a classification includes any of these phrases, no other classification shall be assigned to that risk unless specifically directed by classification wording, even though some operations or employees are at a separate location. (i) Exceptions to (c)(1) above. (A) Classifications describing an operation which is a standard exception or general exclusion shall apply. (B) Any separate and distinct business shall be separately classified when conditions of ’ 20- 40.3-415 exist. (ii Examples of (c)(1) above. (A) Code 9186 - Circus - Traveling - All Employees All of the employees of such a risk shall be assigned to this classification. (B) Code 8385 - Bus Company - Garage Employees Code 7382 - Bus Company - All Other Employees All employees, other than garage employees, shall be assigned to code 7382 in such a risk. (C) Code 5402 - Greenhouse Erection - All Operations to Completion All work for erection of a greenhouse shall be assigned to code 5402. (D) Code 6005 - Jetty Construction - All Operations to Completion All work for the construction of a jetty from beginning to end of the project shall be assigned to code 6005. (E) These examples are subject to exceptions (c)(1)(i)(A) and (B) above. (2) Clerical means clerical office employees and drafting employees as defined in ’ 20-40.3- 405(b)(1) and (2). (3) Drivers means drivers, chauffeurs and their helpers as defined in ’ 20-40.3-405(b)(3). (4) Includes or &: If a classification contains Aincludes@ or A&,@ the operations or employees which are so designated shall not be assigned to a separate classification even though such operations or employees are described by another classification or are at a separate location. (i) Example of (c)(4) above. Code 5183 - Insulation - Steam Pipe or Boiler & Drivers - Includes Shop. This classification also applies to shop operations and drivers.

TITLE 20: DEPARTMENT OF COMMERCE (5) No or Not: A classification which includes a restrictive phrase beginning with Ano@ or Anot@ shall not apply to any risk which conducts any operation described in the restrictive phrase. (i) Exceptions to (c)(5) above. (A) For mercantile business, such as dealers or stores, or for mining businesses, this rule applies to each location. (B) For construction operations, this rule applies to each job or location. (ii) Example of (c)(5) above. Code 8106 - Steel Merchant - Not Applicable to Junk Dealers. This classification shall not be assigned to a steel merchant which also deals in junk. That risk shall be assigned to code 8263 - Junk Dealers. (6) NOC means not otherwise classified. A classification designated ANOC@ shall apply only if no other classification more specifically described the insured business. (7) Or: Or also means and. (i) Example of (c)(7) above. Code 2586 - Cleaning or Dyeing Cleaning or dyeing also means cleaning and dyeing. (8) Salesperson means salespersons, collectors and messengers as defined in ’ 20-40.3- 405(b)(4). (9) To Be Separately Rated: If a classification requires operations or employees Ato be separately rated,@ all such operations or employees shall be separately classified when the conditions of ’ 20-40.3-415(d) exist. (i) Example of (c)(9) above. Code 4131 - Mirror Mfg. - Mfg. of glass, flames, backs or handles to be separately rated. In a risk which makes mirrors, the work of producing glass, or fabricating frames, backs or handles shall be separately classified. Modified, 1 CMC ’ 3806(c), (f), (g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The original paragraphs of subsection (c)(1) were not designated. The commission designated subsections (c)(1)(i) and (ii). In subsection (a), the commission changed Aprecedes@ to Aprecede@ to correct a manifest error. The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). ’ 20-40.3-415 Assignment of Classifications (a) Object of Classification Procedure. The object of the classification procedure is to assign the one basic classification which best describes the business of the employer. Subject to certain exceptions described in this part, each classification includes all the various types of labor found in a business. It is the business which is classified, not the individual employments, occupations or operations within a business. Additional classifications shall be assigned as provided below. (b) Classification of Separate Legal Entities. Each separate legal entity insured under a policy shall be assigned to the basic classification which describes its entire business within a state. This assignment procedure applies even if the business is conducted at more than one location.

TITLE 20: DEPARTMENT OF COMMERCE (c) Business Not Described by a Manual Classification. If there is no classification which describes the business, the classification which most closely describes the business shall be assigned. Refer to ’ 20-40.3-425(b). (d) Assignment of Additional Basic Classification. (1) If a classification requires operations or employees to be separately rated or if an employee operates a secondary business, an additional basic classification shall be assigned only if all the following conditions exist: (i) The secondary business is conducted as a separate undertaking or enterprise. This condition does not apply if the classification wording requires the assignment of an additional classification for specified employees or operations. For example, some classifications direct that certain operations are to be separately rated; (ii) Separate payroll records are maintained for each business; (iii) Each business is physically separated by structural partitions and is conducted without interchange of labor; (iv) The assignment of the separate classification is not prohibited by wording of that classification or any other classification assigned to the policy. (2) If all of the above conditions do not exist: (i) All employees shall be assigned to the classification applicable to the principal business if the classification for the principal business carries a rate which is the same or higher than that for the classification of the secondary business. (ii) The secondary business shall be assigned to the classification which describes that business if such classification carries a rate higher than that applicable to the principal business. (iii) The principal business is the business with the greatest amount of payroll, excluding standard exception or general exclusion operations. (3) Policies with more than one classification may involve employees working in connection with several classifications. Payroll assignment for such employees is subject to ’ 20-40.3-420. (e) Classifications Limited to Separate Businesses. (1) The assignment of certain classifications is limited by their notes to separate and distinct businesses because they describe an operation which frequently is an integral part of a business described by another classification. (2) Example of (e)(1)above. Code 4511 - Analytical Chemist Includes laboratory and outside employees. Shall not be assigned to a risk engaged in operations described by another classification unless the operations subject to code 4511 are conducted as a separate and distinct business. (f) Standard Exception and General Exclusion Operations. Standard exception and general exclusion operations shall be separately classified unless specifically included in a classification assigned to the business. Classifications for standard exception and general exclusion operations apply even if the basic classification includes phrases such as Aall employees@ or Aall operations.@ (g) Business Described by a Standard Exception Classification. (1) If the principal business is described by a standard exception classification, the operations of all employees not included in the definition of the standard exception classification shall be

TITLE 20: DEPARTMENT OF COMMERCE assigned to the separate basic classification which most closely describes their operations. (2) Example of (g)(1) above The insured is a bank: Employees Assignment Clerical Office Code 8810 - Clerical Office Employees Maintenance, Security, Code 9015 - Buildings NOC Elevator Operators operation by owner or lessee Cafeteria or Restaurant Code 9079 - Restaurant NOC (h) Construction or Erection Operations. (1) Each distinct type of construction or erection operation at a job or location shall be assigned to the classification which specifically describes such operation provided separate payroll records are maintained for each operation. (2) Any such operation for which separate payroll records are not maintained shall be assigned to the highest rated classification which applies to the job or location where the operation is performed. (3) A separate construction or erection classification shall not be assigned to any operation which is within the scope of another classification assigned to such a job or location. (i) Mercantile Businesses. For mercantile businesses, such as stores or dealers, the classification is determined separately for each location. (j) Farm Operations. For assignment of classifications for farm operations, refer to the classification section of this subchapter. Modified, 1 CMC ’ 3806(c), (d), (f), (g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The original paragraphs of subsections (d), (e), (g) and (h) were not designated. The commission designated subsections (d)(1) through (d)(3), (e)(1) and (e)(2), (g)(1) and (g)(2), and (h)(1) through (h)(3). The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). The Commission corrected the periods at the ends of subsections (d)(1)(i) through (d)(1)(iii) to semicolons pursuant to 1 CMC § 3806(g). The Commission corrected the spelling of “be” in subsection (d)(2)(ii) pursuant to 1 CMC § 3806(g.) In subsection (f), the commission moved the final period inside of the closing quotation mark. ’ 20-40.3-420 Payroll Assignment; Multiple Classifications (a) Miscellaneous Employees. (1) Miscellaneous employees are those who perform duties conducted in common for separate operations which are subject to more than one basic classification. The payroll of any miscellaneous employees shall be assigned to the governing classification. Such employees include general superintendents, maintenance or power plant employees, elevator operators,

TITLE 20: DEPARTMENT OF COMMERCE shipping or receiving clerks and yard workers. (2) Example of (a)(1) above. Four story factory - two floors general job machine shop and two floors plastic goods manufacturing: (i) Code 3632 - Machine Shop NOC applies to machine shop. (ii) Code 4452 - Plastic Mfg, applies to plastic goods manufacturing. (iii) The elevator operators, porters and cleaners serving all four floors shall be assigned to the governing classification. (b) Interchange of Labor. (1) Some employees, who are not miscellaneous employees, may perform duties directly related to more than one classification. An example is an employee who from time to time interchanges between operations subject to more than one classification. When there is such an interchange of labor, the entire payroll of employees who interchange shall be assigned to the highest rated classification representing any part of their work. (2) Exception to (b)(1) above. For construction, erection, stevedoring or part-time aircraft operations in connection with code 7421 - aircraft operations, the payroll of an individual employee may be divided and allocated to more than one such classification, provided the entries on the original records of the insured disclose and allocation of each such individual employee=s payroll. An estimated or percentage allocation of payroll is not permitted. Modified, 1 CMC ’ 3806(c), (f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The original paragraphs of subsections (a) and (b) were not designated. The commission designated subsections (a)(1) and (a)(2) and (b)(1) and (a)(2). The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). ’ 20-40.3-425 How to Show Classification in Item 4 of the Information or Declarations Page (a) Business Described by a Classification. For a business described by a classification, show the classification wording, with or without notes, show any caption which precedes several related classifications and show the code number. (b) Business Not Described by Any Classification. (1) For a business not described by any classification, show wording which describes the business. With this wording, show the code number of the classification which most closely describes the business. Such an assignment is controlled by all of the rules applicable to the assigned classification. (2) Example of (b)(1) above. An employer manufactures textile lamp shades. There is no classification in the manual in this subchapter which described or mentions lamp shade manufacturing. The classification in the manual which most closely described lamp shade manufacturing is code 2501 - furnishing goods mfg., which, states in its footnote that it includes wearing apparel, draperies or household furnishings manufactured from textile fabrics. Consequently, code 2501 is applicable and therefore the information or declaration page shall show:

TITLE 20: DEPARTMENT OF COMMERCE Lamp Shade Mfg. - from textiles - 2501 All of the rules pertaining to the assigned classification apply to such a business. For example, if drivers are included in the assigned classification, they shall be included in the wording used to describe the business. Modified, 1 CMC ’ 3806(c), (d), (f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The original paragraphs of subsection (b) were not designated. The commission designated subsections (b)(1) and (b)(2). The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). Part 500 - Premium Basis; Item 4 of the Information Page ’ 20-40.3-501 Basis of Premium; Total Remuneration Premium shall be computed on the basis of the total remuneration paid or payable by the insured for services of employees covered by the policy. History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). ’ 20-40.3-505 Remuneration; Payroll Remuneration means money (reference to PL 6-33). Modified, 1 CMC ’ 3806(g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The commission inserted the final period. ’ 20-40.3-510 Estimated Payrolls (a) Estimated Payrolls by Classification. For each classification shown on the information or declaration page, the total estimated annual payroll shall be stated in the column headed APremium Basis Total Estimated Annual Remuneration.@ (b) Determination of Estimated Payrolls. Estimated payrolls shown on the information or declaration page shall reflect actual remuneration anticipated by the insured during the policy period. Such estimates shall be subject to substantiation by records or inspections. Modified, 1 CMC ’ 3806(f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g).

TITLE 20: DEPARTMENT OF COMMERCE ’ 20-40.3-515 Whole Dollars; Payrolls All payrolls shall be shown to the nearest dollar. A remainder of $.50shallberoundedtothenexthighestdollar.History:Adopted25Com.Reg.20860(Aug.22,2003);Proposed25Com.Reg.20261(July15,2003).Part600-RatesandPremiumDetermination;Item4oftheInformationPag{e}^{\prime }20-40.3-601Rates(a)Definition-Therateistheamountofpremiumforeach$100 of payroll. (b) Manual Rate. The manual rate for each classification is shown after its code number on the rate pages. (c) Authorized Rate. Authorized rate means the manual rate that has been approved by the Office of the Insurance Commissioner and the Worker=s Compensation Commission. (d) Show Rates in Item 4 of the Information or Declaration Page. For each classification shown in item 4, the manual rate or other authorized rate shall be stated in the column headed Arate per $100ofremuneration.@Modified,1CM{C}^{\prime }3806(f),(g).History:Adopted25Com.Reg.20860(Aug.22,2003);Proposed25Com.Reg.20261(July15,2003).CommissionComment:Insubsection(d),thecommissionchangedArated@toArate@tocorrectamanifesterror.TheCommissionaddedperiodsattheendsofsubsectiontitlespursuantto1CMC\S 3806(g){.}^{\prime }20-40.3-605PremiumDetermination(a)Premiumforeachclassificationshowninthepolicyisdeterminedbymultiplyingthebasisofpremiumbytherate.(b)Exampleof(a)above.Payroll=$90,000 Rate = x1.50 Premium = $ 1,350 Modified, 1 CMC ’ 3806(d). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The original paragraphs were not designated. The commission designated subsections (a) and (b). The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). The

TITLE 20: DEPARTMENT OF COMMERCE Commission corrected the equation in subsection (b) pursuant to 1 CMC § 3806(g). ’ 20-40.3-610 Whole Dollars; Premiums All premiums shall be shown to the nearest dollar. A remainder of $.50shallberoundedtothenexthigherdollar.History:Adopted25Com.Reg.20860(Aug.22,2003);Proposed25Com.Reg.20261(July15,2003){.}^{\prime }20-40.3-615ExpenseConstant(a)Explanation.Theexpenseconstantisapremiumchargewhichappliestoeverypolicyinadditiontothepremiuminclusiveoflossconstants.Itcoversexpensessuchasthoseforissuing,recordingandauditing,whicharecommontoallworkers=compensationpoliciesregardlessofpremiumsize.(b)AmountofExpenseConstant.Anexpenseconstantof$50.00 is added to any policy generating an annual premium of less than $300.00. In the event of policy cancellation, refer to part 900. For long term policies, refer to part 300. (c) Premium Discount, Experience Rating, Merit Rating and Retrospective Rating. The expense constant is not subject to premium discount, experience rating modification, merit rating modification nor to retrospective rating adjustment. (d) Minimum Premium. The expense constant is not included in the minimum premium for each classification and shall be added if the minimum premium becomes the final premium for the policy. (e) Information Page. The expense constant shall be shown on the information or declaration page. (f) Multiple Locations. When more than one location is insured on the same policy, the expense constant shall be applicable to the policy as a whole. (g) Expense Constant; Mid-term Policy Change. The expense constant charged at the inception of the policy is not subject to change when another location is added mid-term to a policy. Modified, 1 CMC ’ 3806(c), (f), (g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: In subsection (a), the commission inserted an apostrophe in Aworkers.@ The Commission removed an extraneous dollar sign from subsection (b) pursuant to 1 CMC § 3806(g). The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). ’ 20-40.3-620 Minimum Premium

TITLE 20: DEPARTMENT OF COMMERCE (a) Explanation. The minimum premium is the lowest premium required in order to provide insurance under the policy. The minimum premium shall be stated on the information or declaration page on an estimated basis. It is the lowest total policy premium for a policy not longer than one year. For policies issued for a period over one year, refer to part 300. (b) Location of Minimum Premium in Manual. The minimum premium for each classification is shown after its code number on the rate pages. (c) How Determined. The minimum premium for a policy shall be determined as follows: (1) For a policy with only one classification, apply the minimum premium for that classification. (2) For a policy with two or more classifications, apply the highest minimum premium for any classification on the policy. (d) Experience Rating or Merit Rating. The minimum premium is not subject to an experience rating modification or merit rating modification. (e) Adjustment upon Audit. (1) The minimum premium is subject to adjustment and shall be determined upon audit only on the basis of those classifications developing premium. Additionally, if a classification is incorrectly classified it may result in a decrease or increase of premium during policy term or upon year end audit of the policy. (2) If correction to the misclassification results in a lower premium, the decrease will be applied to the policy retroactively. If the correction results in an increase of premium, the increase will be applied to the policy according to the following schedule from the NCCI Rating Manual. (3) Where the insurer determines a corrected classification is needed: (i) During the first 120 days of a policy term, the additional premium is applied retroactively to the entire policy period. (ii) After 120 days but before the last 90 days of a policy term, the additional premium is applied pro-rata from date of discovery. (iii) During the last 90 days of the policy term, the correct classification and additional premium will be applied only to the renewal policy. (4) If a change in classification is due to changes in the insured=s operations, the new classification will be applied pro-rata from date of change in the insured=s operations. (5) If a change in classification is needed because of an omission or misrepresentation by the insured or agent, the new classification will be applied retroactively. (6) For canceled policies, refer to part 900. (f) Special Minimum Premiere Requirements. (1) For increased limits of employers liability on a policy, refer to part 700. (2) For admiralty or federal employments, refer to part 1100. (3) For domestic workers, refer to part 1200. (g) Employers’ Liability Policies. For a policy which provides only employers= liability insurance with increased limits, the minimum premium shall be increased by the factor which

TITLE 20: DEPARTMENT OF COMMERCE applies to the rates for that policy. Refer to part 700. Modified, 1 CMC ’ 3806(c), (g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The original paragraphs of subsection (e) were not designated. The commission designated subsections (e)(1) through (e)(6). The commission corrected an incorrect cross-reference in subsection (f)(3). In subsection (g), the commission inserted an apostrophe in Aemployers@ to correct a manifest error. The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). ’ 20-40.3-625 Deposit Premium (a) When Payable. A deposit premium is payable at the inception of the policy. The deposit premium shall not be less than the minimum premium stated in the policy. (b) Amount Payable - Annual Adjustment. For a policy which provides that the premium shall be adjusted upon audit after termination of an annual period, the deposit premium shall be the total estimated annual premium for that policy. (c) When Credit Allowed. The deposit premium shall be credited in premium computation to the final earned premium adjustment or to the renewal policy. The deposit premium shall not be credited to any interim premium adjustment. (d) Three Year Fixed Rate Policies. Three year fixed rate policies are not allowed in the CNMI. Premium for workers compensation coverage included under a special multi-peril policy or a business owner=s policy shall be computed and charged on an annual basis. Modified, 1 CMC ’ 3806(f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). ’ 20-40.3-630 Premium Determination for Federal and Maritime Insurance Additional rating procedures are in parts 1000 and 1100 for insurance for employers subject to the Longshore and Harbor Workers= Compensation Act, the Federal Employer=s Liability Act and admiralty law. Modified, 1 CMC ’ 3806(f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Part 700 - Limits of Liability; Item 3.B of the Information Page ’ 20-40.3-701 Workers= Compensation and Employers= Liability Policy

TITLE 20: DEPARTMENT OF COMMERCE (a) Part One - Workers= Compensation. Public Law 6-33 provides for $40,000statutorylimitofliability.ThepolicyprovidesallbenefitsrequiredbyPublicLaw6-33oftheCommonwealthoftheNorthernMarianaIslands.(b)PartTwo-Employers=Liability(atCarriers=Discretion).(1)StandardLimits(atCarriers=Discretion).\ast (2)IncreasedLimits.Thelimitsunderparttwomaybeincreased,subjecttothefollowing:(i)Thelimitsofliabilityshallbethesameforalloperationallocationsoftheassured.(ii)Theadditionalpremiumforincreasedlimitsshallbedeterminedbymultiplyingthetotalpremiumbythepercentageinthefollowingtableforincreasedlimits.Itshallnotbelessthantheminimumpremiumshowninthetable.Forthispurpose,totalpremiumshallbecomputedbeforeapplicationoflossandexpenseconstants.TableforIncreasedLimitsLimitofLiability(000PercentagesPremiumForomitted)IncreasedLimits$100/100/1,000 .70 Refer to rate pages 100/100/2,500 1.20 100/100/5,000 1.70 100/100/10,000 2.40 500/500/500 1.90 500/500/1,000 2.20 500/500/2,500 2.70 500/500/5,000 3.20 500/500/10,000 3.90 1,000/1,000/1,000 3.30 1,000/1,000/2500 3.80 1,000/1,000/5,000 4.40 1,000/1,000/10,000 5.00 (3) Accident Limit. The limit of liability under part two for bodily injury by accident applies to all bodily injury arising out of any one accident. (4) Disease Limits. The limit of liability under part two for bodily injury by disease - each employee - applies as a separate limit to bodily injury by disease to any one employee and the

TITLE 20: DEPARTMENT OF COMMERCE limit of liability for bodily injury by disease - policy limit - applies as an aggregate limit for all bodily injury by disease, regardless of the number of employees who sustain bodily injury by disease. (5) Show Limits on the Information Page. The limits of liability under part two must be stated in item 3.B of the information page.

• So in original. Modified, 1 CMC ’ 3806(f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: In subsections (a) and (b), the commission inserted apostrophes as appropriate. The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). ’ 20-40.3-705 Employers= Liability Insurance; Without Workers= Compensation Insurance (at Carriers= Discretion) (a) Coverage. A policy may provide only employers= liability insurance not in combination with workers= compensation insurance. It shall exclude obligation to pay workers= compensation benefits in such states. (b) Limits of Liability. (1) The limit of liability for bodily injury by accident applies to all bodily injury arising out of any one accident. (2) The limit of liability for bodily injury by disease - each employee - applies as a separate limit to bodily injury by disease to any one employee and the limit of liability for bodily injury by disease - policy limit - applies as an aggregate limit for all bodily injury by disease, regardless of the number of employees who sustain bodily injury by disease. (c) Increased Limits of Liability. The limits for employers= liability insurance may be increased. If higher limits of liability apply, the premium shall be determined on the basis of the rates multiplied by the factor indicated in the following table: Table for Increased Limits Employers Liability Insurance Only Limits of Liability Factor (000 omitted) $100/100/1,000 1.053 100/100/2,500 1.127 100/100/5,000 1.225 100/100/10,000 1.284

TITLE 20: DEPARTMENT OF COMMERCE 500/500/500 1.186 500/500/1,000 1.206 500/500/2,500 1.286 500/500/5,000 1.368 500/500/10,000 1.424 1,000/1,000/1,000 1.280 1,000/1,000/2,500 1.357 1,000/1,000/5,000 1.436 1,000/1,000/10,000 1.509 (d) Premium Determination. Employers’ liability insurance may be provided for bodily injury by accident and disease. The premium for standard limits for such insurance shall be based on the workers compensation classifications and rates in the manual in this subchapter. Modified, 1 CMC ’ 3806(d), (f), (g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The original paragraphs of subsection (b) were not designated. The commission designated subsections (b)(1) and (b)(2). The commission inserted apostrophes as appropriate throughout this section. The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). ’ 20-40.3-710 Voluntary Compensation Insurance (a) Limits of Liability. (1) The limits of liability under part two - employers= liability insurance for employees subject to voluntary compensation insurance are: Bodily Injury by Accident: $40,000eachaccidentAtCarriers=Discretion:BodilyInjurybyDisease:$100,000 each employee Bodily Injury by Disease: $500,000 policy limit (2) The limit of liability for bodily injury by accident applies to all bodily injury arising out of any one accident. (b) Premium Determination (at Carriers= Discretion). Premium shall be determined on the basis of the workers= compensation rules, classifications and rates in the manual.

TITLE 20: DEPARTMENT OF COMMERCE (c) Payroll Records. When voluntary compensation insurance is provided for a group of employees, separate payroll records shall be maintained by the insured for the designated group of employees. Modified, 1 CMC ’ 3806(f), (g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The original paragraphs of subsection (a) were not designated. The commission designated subsections (a)(1) and (a)(2). In subsections (a) and (b), the commission inserted apostrophes as appropriate. The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). Part 800 - Special Conditions or Operations Affecting Coverage and Premium ’ 20-40.3-801 Executive Officers (a) Definition. Executive officers of a corporation are the president, vice president, secretary, treasurer or any other officer appointed in accordance with the charter or by-laws of the corporation. (b) Law and Status. (1) Salaried executive officers may elect workers= compensation coverage under Public Law 6-33. To include executive officers, carriers must attach the standard sole proprietors, partners, officers and other coverage endorsement (WC 00 03 10). (2) When coverage is elected, executive officers have the same status as employees under the policy. (c) Premium Determination. Premium for executive officers shall be based on their total payroll, subject to the following limitations and the requirements of ’ 20-40.3-625. (1) The minimum individual payroll for an executive officer is shown on the rate pages. (2) The maximum individual payroll for an executive officer is shown on the rate pages. (3) The payroll limitations in (c)(1) and (2) apply to the average weekly payroll of each executive officer for the number of weeks the officer was employed during the policy period. (d) Assignment of Payroll. (1) Payroll shall be assigned to the classification which applies to the principal operations in which the executive officer is engaged. (2) Exceptions to (d)(1) above. (i) Payroll of an executive officer who regularly and frequently engages in duties which are ordinarily performed by a superintendent, foreman or worker shall be assigned to the governing classification. (ii) Payroll of an executive officer who performs construction, erection or stevedoring operations shall be divided and assigned to the classifications which apply to the different types of operations of the executive officer, subject to the requirements of ’ 20-40.3-420(b). (e) Flight Duties.

TITLE 20: DEPARTMENT OF COMMERCE (1) Payroll of an executive officer who is a pilot or member of the flying crew of an aircraft used in the insured=s business shall be assigned as follows: (i) For each week during which the executive officer did not perform flight duties, assign the officer=s payroll as provided in subsection (d). (ii) For each week during which the executive officer performed flight duties, assigned the officer=s payroll for that week to code 7421 - aircraft operation - flying crew. If an executive officer=s non-flying duties in such a week are subject to the higher rated classification, that higher rated classification shall be assigned in that week. (2) Rules (e)(1)(i) and (ii) apply on the basis of the policy=s log book required under federal regulations or other verifiable records. (3) If code 7421 - aircraft operations - flying crew - applies and verifiable records are not maintained to indicate those weeks during which flying is performed by executive officer, their payroll shall be assigned to the highest rated classification which applies to any of their operations. Modified, 1 CMC ’ 3806(c), (f), (g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The original paragraphs of subsections (b), (d) and (e) were not designated. The commission designated subsections (b)(1) and (b)(2), (d)(1) and (d)(2) and (e)(1) through (e)(3). The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). In subsection (a), the commission corrected the spelling of Aany.@ In subsection (b), the commission inserted an apostrophe in Aworkers.@ In subsection (c), the original cross-reference to Rule V-F was incorrect. This subsection does not exist. The commission changed the reference to Rule VI-F, codified at ’ 20-40.3-625. The Commission corrected the spelling of “and” in subsection (d)(2)(ii) pursuant to 1 CMC § 3806(g). In subsections (e)(1)(i) and (e)(2), the cross-references to Rule VII-A-5 and 6a and b, respectively, were incorrect. See 25 Com. Reg. at 20305 (July 15, 2003). The commission corrected the references. ’ 20-40.3-805 Partners and Sole Proprietors (a) Law and Status. Partners and sole proprietors are not normally in the category of employees but may be covered under the law by statutory provision or by election. They then have the same status as employees under the policy. (b) Coverage. To provide coverage for a partner or sole proprietor who is to be treated as an employee, attach the standard sole proprietors, partners, officers and others coverage endorsement (WC 00 03 10). (c) Premium Determination. Premium for each partner or sole proprietor treated as an employee is based on the payroll amount shown on the rate pages. (d) Assignment of Payroll. Payroll of partners or sole proprietors shall be assigned to classifications and rates under the rules which apply to employees.

TITLE 20: DEPARTMENT OF COMMERCE Modified, 1 CMC ’ 3806(f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). ’ 20-40.3-810 Subcontractors (a) Law on Contractors and Subcontractors. (1) Most workers compensation laws provide that a contractor is responsible for the payment of compensation benefits to employees of its uninsured subcontractors. (2) Public Law 6-33 requires that all employers obtain compensation coverage for their employees regardless of any subcontractual agreements. (b) Premium for Uninsured Subcontractors. The contractor shall furnish satisfactory evidence that the subcontractor had workers compensation insurance in force covering the work performed for the contractor. For each subcontractor for which such evidence is not furnished, additional premium shall be charged on the policy which insured the contractor as follows: (1) The contractor shall provide a complete payroll record of the employees of each uninsured subcontractor. Premium on such payroll shall be based on the classification which would have applied if the employees of the subcontractor had been employees of the contractor. (2) If the contractor does not supply the payroll records of its subcontractor, the full subcontract price of the work performed during the policy period by the subcontractor shall be established as the payroll of the subcontractor=s employees. The additional premium shall be charged on that amount as payroll. (3) Exception to (b)(2) above. If investigation on a specific job discloses that a definite amount of the subcontract price represents payroll, such amount shall be the payroll for the additional premium computation. In contracts for labor and material, the payoll shall not be less than 50% of the subcontract price. In contracts for labor only, the payroll shall be established as not less than 90% of the subcontract price. (c) Piece Work, Drivers, Chauffeurs and Helpers Under Contract. This rule on subcontractors does not apply to contractors for piece work, nor to drivers, chauffeurs or helpers on vehicles engaged under contract: (1) The entire amount paid to pin workers shall be the payroll, as provided in part 500. (2) The rules on standard exceptions in part 400 apply to drivers, chauffeurs or helpers on contract vehicles. Modified, 1 CMC ’ 3806(c). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: In subsection (a), the original paragraphs were not designated. The commission designated subsections (a)(1) and (a)(2). The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). ’ 20-40.3-815 Self Insured Employers; Requirements

TITLE 20: DEPARTMENT OF COMMERCE (a) Any employer who was not able to secure coverage within the CNMI as evidenced by three letters of declination by three separate carriers may be allowed to seek coverage outside of the CNMI or may be allowed to self-insure its operations in accordance with the Workers= Compensation Commission Rules and Regulations [NMIAC, title 110, chapter 50]; or (b) Any employer with at least 200 employees may elect to be self-insured in accordance with the Workers= Compensation Commission Rules and Regulations [NMIAC, title 110, chapter 50]. (c) An employer who is authorized to self-insured its operations is required to pay into the special disability fund pursuant to 4 CMC ’ 9353 an amount equal to 1% of the total salaries paid but not to exceed $1,500.PleaserefertoPublicLaw9-33forfurtherdetails.Modified,1CM{C}^{\prime }3806(f).History:Adopted25Com.Reg.20860(Aug.22,2003);Proposed25Com.Reg.20261(July15,2003).Part900-Cancellatio{n}^{\prime }20-40.3-901WhoMayCancelCancellationofcoveragemaybemadebyeithertheinsuredorthecarrierinaccordancewithpolicyconditions.AcopyofthenoticeofcancellationmustalsobeprovidedtotheWorkers=CompensationCommission.Modified,1CM{C}^{\prime }3806(f).History:Adopted25Com.Reg.20860(Aug.22,2003);Proposed25Com.Reg.20261(July15,2003){.}^{\prime }20-40.3-905PremiumDetermination;CancellationbytheInsuranceCarrierPremiumforthecanceledpolicyshallbecomputedasfollows:(a)RatesandPayroll.Applyauthorizedratestothepayrolldevelopedduringtheperiodthepolicywasineffect.(b)ExpenseConstant.Addthepro-rataportionoftheexpenseconstantbutnotlessthan$50.00. Refer to ’ 20-40.3-620. (c) Minimum Premium. The total premium for the canceled policy shall not be less than the pro-rata portion of the minimum premium. Refer to ’ 20-40.3-625. Modified, 1 CMC ’ 3806(c), (f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). ’ 20-40.3-910 Premium Determination; Cancellation by the Insured When Retiring from Business

TITLE 20: DEPARTMENT OF COMMERCE Compute the premium as provided in ’ 20-40.3-905 if a policy is canceled by the insured when: (a) All the work covered by the policy has been completed, or (b) All interest in any business covered by the policy has been sold, or (c) The insured has retired from all business covered by the policy. Modified, 1 CMC ’ 3806(c). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). ’ 20-40.3-915 Premium Determination; Cancellation by the Insured, Exert When Retiring from Business (a) Actual Payroll. Determine the payroll developed during the period the policy was in effect. (b) Extended Payroll. (1) Extend such payroll pro-rata to an annual basis. (2) Example. A payroll of $55,500for185dayswouldproduceapayrollof$109,500 on an annual basis: (c) Rates. Apply authorized rates to the payroll in (b) above. (d) Short Rate Percentage. Based on the time the policy was in effect, apply the short rate percentage shown in the short rate cancellation table in this section to the annual premium computed on the basis of the extended payroll in order to determine the short rate portion of the annual premium. (e) Expense Constant. Add the short rate portion of the expense constant but not less than $\mathrm{50.00.}Refert{o}^{\prime }20-40.3-620.(f)MinimumPremium.Thetotalpremiumforthecanceledpolicyshallnotbelessthantheminimumpremium.Refert{o}^{\prime }20-40.3-625.(g)ExampleofaShortRateCancellation.Apolicyineffectfor185daysdevelopsactualpayrollof$55,500, manual rate $.50,withexpenseconstantof$50. (1) Payroll extended to annual basis = (2) Annual premium = $109,500x$.50 = 548 (3) Short rate percentage for 185 days = 61% (See table on next page) (4) Short rate premium for canceled policy = $548x.61=$334

TITLE 20: DEPARTMENT OF COMMERCE (5) Short rate premium of $50expenseconstant=$50 x .61 = $31(6)Totalpremiumforcanceledpolicy=$ 365 (7) Minimum premium = $73. Not applicable to this policy. (8) Refer to appendix C for an alternative method of short rate computation. Modified, 1 CMC ’ 3806(c), (d), (f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The original paragraphs of subsection (b) and the final paragraph of subsection (g) were not designated. The commission designated subsections (b)(1) and (b)(2) and (g)(8). The Commission inserted the word “than” into subsection (f) pursuant to 1 CMC § 3806(g). The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g).

TITLE 20: DEPARTMENT OF COMMERCE ’ 20-40.3-920 Short Rate Cancellation Table for Term of One Year Days Policy In Per Cent of One Year Days Policy In Per Cent of One Year Force Prem. Force Prem. 1  5% 154 - 156  53% 2  6 157 - 160  54 3 - 4  7 161 - 164  55 5 - 6  8 165 - 167  56 7 - 8  9 168 - 171  57 9 - 10  10 172 - 175  58 11 - 12  11 176 - 178  59 13 - 14  12 179 - 182 (6  60 mos.) 15 - 16  13 183 - 187  61 17 - 18  14 188 - 191  62 19 - 20  15 192 - 196  63 21 - 22  16 197 - 200  64 23 - 25  17 201 - 205  65 26 - 29  18 206 - 209  66 30 - 32 (1 mos.)  19 210 - 214 (7  67 mos.) 33 - 36  20 215 - 218  68 37 - 40  21 219 - 223  69 41 - 43  22 224 - 228  70 44 - 47  23 229 - 232  71 48 -51  24 233 - 237  72 52-54  25 238 -241  73 55-58  26 242 - 246 (8  74 mos.)

TITLE 20: DEPARTMENT OF COMMERCE Days Policy In Per Cent of One Year Days Policy In Per Cent of One Year Force Prem. Force Prem. 59 - 62 (2 mos.)  27 247 - 250  75 63 - 65  28 251-255  76 66-69  29 256 - 260  77 70-73  30 261 - 264  78 74-76  31 265 - 269  79 77-80  32 270 - 273 (9  80 mos.) 81 - 83  33 274 - 278  81 84 - 87  34 279 - 282  82 88 - 91 (3 mos.)  35 283 - 287  83 92 - 94  36 288 - 291  84 95 - 98  37 292 - 296  85 99 - 102  38 297 - 301  86 103 - 105  39 302 - 305 (10  87 mos.) 106 - 109  40 306 - 310  88 110 - 113  41 311 - 314  89 114 - 116  42 315 - 319  90 117 - 120  43 320 - 323  91 121 - 124 (4  44 324 - 328  92 mos.) 125 - 127  45 329 - 332  93 128 - 131  46 333 - 337 (11  94 mos.) 132 - 135  47 338 - 342  95 136 - 138  48 343 - 346  96 139 - 142  49 347 - 351  97

TITLE 20: DEPARTMENT OF COMMERCE Days Policy In Per Cent of One Year Days Policy In Per Cent of One Year Force Prem. Force Prem. 143 - 146  50 352 - 355  98 147 - 149  51 356 - 360  99 150 - 153 (5  52 361 - 365 (12  100 mos.) mos.) Modified, 1 CMC ’ 3806(f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Part 1000 - Longshore and Harbor Workers= Compensation Act ’ 20-40.3-1001 General Information The Longshore and Harbor Workers= Compensation. Act (LHWCA) is a federal law which provides for payment of compensation and other benefits to employees such as longshore workers, harbor workers, ship repair workers, shipbuilders, shipbreakers and other employees engaged in loading, unloading, repairing or rebuilding a vessel. It apples to such employees while working on navigable waters of the United States and also while working on any adjoining pier, wharf, dry dock, terminal, building way, marine railway, or other area adjoining such navigable waters customarily used for loading, unloading, repairing or building a vessel. It does not cover masters or members of the crew of a vessel. For complete details see U.S. Code (1946), title 33, section 901-49, amended by Public Law 92-576. Modified, 1 CMC ’ 3806(f), (g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The commission inserted the final period. ’ 20-40.3-1005 Workers= Compensation Insurance; Part One The standard policy is used to insure the statutory obligation of any employer to furnish benefits required by the LHWCA. Attach the standard Longshore and Harbor Workers= Compensation Act coverage endorsement (WC 00 01 06) to provide such insurance. Do not designate the LHWCA in item 3.A of the information or declarations page. To exclude LHWCA exposures that are not to be covered by the policy, attach the standard Longshore and Harbor Workers= Compensation Act exclusion endorsement (WC 00 01 07). Modified, 1 CMC ’ 3806(f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). ’ 20-40.3-1010 Employers= Liability Insurance; Part Two (at Carriers= Discretion)

TITLE 20: DEPARTMENT OF COMMERCE For operations subject to the LHWCA, the standard limits of liability under part two are: (a) Bodily Injury by Accident: $100,000eachaccident.(b)BodilyInjurybyDisease:$100,000 each employee. (c) Bodily Injury by Disease: $500,000 policy limit. (Refer to part 800.) Modified, 1 CMC ’ 3806(c). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). The Commission added periods at the ends of subsections pursuant to 1 CMC § 3806(g). ’ 20-40.3-1015 Classification and Rates (a) Classifications. Classifications for insurance under the LHWCA are listed in the classification section of the manual in this subchapter. (b) Rates for Federal AF@ Classifications. The manual rates for classification code numbers followed by the letter AF@ include premium for operations subject to the LHWCA. (c) Rates for Non-Federal ANon-F@ Classifications. The manual rates for classification code numbers not followed by the letter AF@ do not include premium for operations subject to the LHWCA. If operations under such classifications involve some employees subject to the LHWCA, the manual rates and minimum premiums for such classifications shall be increased by the longshore and harbor workers compensation coverage percentage shown on the rate pages. Such percentage does not apply to loss and expense constants. Such increased rate shall apply only to payroll of employees engaged in operations subject to the LHWCA. Modified, 1 CMC ’ 3806(d), (f), (g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: In subsection (c), the commission changed Aemployee@ to Aemployees@ to correct a manifest error. The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). ’ 20-40.3-1020 Extensions of the Longshore and Harbor Workers= Compensation Act (a) Defense Base Act. (1) The Defense Base Act extends the provision of the LHWCA to employers and their employees on overseas military bases and on other overseas locations under public works contracts being performed by contractors with agencies of the United Stated government. Employees who are not United States citizens may be exempted from coverage upon approval of a waiver by the Secretary of Labor. For complete details, see Defense Base Act, 42 U.S.C. §§ 1651-1654 (PL 77-208)/ (2) To provide such insurance, attach the standard Defense Base Act coverage endorsement (WC 00 01 0l).

TITLE 20: DEPARTMENT OF COMMERCE (b) Outer Continental Shelf Lands Act. (1) The Outer Continental Shelf Lands Act extends the provisions of the LHWCA to employers and their employees exploring for natural resources on the outer continental shelf of the United States. (2) That area is generally described as all submerged lands lying seaward and outside of the area of lands beneath navigable waters of the United States and subject to its jurisdiction. For complete details, see 33 U.S.C. §§ 901-949 (PL 83-212). (3) To provide such insurance, attach the Outer Continental Shelf Lands Act coverage endorsement (WC 00 01 09). (c) Civilian Employees of Non-appropriated Fund Instrumentalities Act. (1) The Non-appropriated Fund Instrumentalities Act extends the provisions of the LHWCA to civilian employees of non-appropriated instrumentalities such as post exchanges and service clubs of the Armed Forces. For complete details, see 5 U.S.C. § 8171 (PL 85-538). (2) To provide such insurance attach the standard Non-appropriated Fund Instrumentalities Act coverage endorsement (WC 00 01 08). (d) Premium Determination. For insurance under extensions of the LHWCA, determine premium as provided in ’ 20-40.3-1015. Modified, 1 CMC ’ 3806(c), (f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The original paragraphs of subsections (a), (b) and (c) were not designated. The commission designated subsections (a)(1) and (a)(2), (b)(1) through (b)(3), and (c)(1) and (c)(2). The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). The Commission corrected the reference to 42 U.S.C. §§ 1651-1654, 33 U.S.C. §§ 901-949, and 5 U.S.C. § 8171 pursuant to 1 CMC § 3806(g). Part 1100 - The Admiralty Law and Federal Employer=s Liability Act ’ 20-40.3-1101 General Information (a) Admiralty Law. Masters and members of the crews of vessels are not covered under state workers= compensation laws nor under the LHWCA. They are subject to admiralty law and, if injured, have the right to sue their employers for damages in the admiralty courts where the proceeding is in the nature of an employee liability suit. They also have the right to transportation, wages, maintenance and cure. Such seamen are subject to a federal law, the Merchant Marine Act of 1920, known as the Jones Act (46 U.S.C. § 688) which applies the provisions of the Federal Employers= Liability Act to seamen. Every person employed on board a vessel is deemed to be a seaman if connected with the operation or welfare of the vessel while in navigable waters. Usually, navigable waters are defined as those which form a continuous highway for interstate or international commerce. (b) Federal Employers= Liability Act. The Federal Employers= Liability Act (FELA) applies to employees of interstate railroads. Such employees are not subject to state workers compensation laws. This federal law imposes liability for damages on the railroad if the injured

TITLE 20: DEPARTMENT OF COMMERCE railroad employee can show any negligence on the part of the railroad. For complete details, see 45 U.S.C. §§ 51-60. Modified, 1 CMC ’ 3806(f), (g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: In subsection (a), the commission inserted apostrophes in Aworkers@ and Aemployers@ to correct manifest errors. The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). The Commission corrected the reference to 46 U.S.C. § 688 and 45 U.S.C. §§ 51-60 pursuant to 1 CMC § 3806(g). ’ 20-40.3-110 5 Description of Coverage Programs The policy may be used to provide insurance for liability under one or more state workers= compensation laws and also for liability under admiralty law or FELA. There are two programs to furnish such insurance: (a) Program I. Provides, under part one - workers= compensation insurance, statutory liability under the workers= compensation law of any state designated in item 3.A of the information page and, under part two - employers= liability insurance, employers= liability for damages under admiralty law or FELA, subject to a standard limit of $25,000. (b) Program II. Provides the same coverage as program I, but with the addition of voluntary compensation. Under program II, the insurance carrier will offer a settlement of a claim strictly in accord with the statutory benefits provided in the workers= compensation law designated in the voluntary compensation endorsement attached to the policy as if the claim were subject to the laws of negligence. If the offer of settlement is rejected, employers= liability then applies to such claim or suit, with the same standard limits as for program I. Modified, 1 CMC ’ 3806(f), (g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The commission inserted apostrophes throughout this section as appropriate. The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). ’ 20-40.3-1110 Coverage (a) Admiralty Law Endorsements. To provide program I for admiralty law, attach the standard maritime coverage endorsement (WC 00 02 01). To provide program II for admiralty law, also attach the standard voluntary compensation maritime coverage endorsement (WC 00 02 03). (b) Admiralty Law Coverage Option. The maritime coverage endorsement excludes liability to provide transportation, wages, maintenance and cure. This endorsement may optionally include a provision to insure such liability for an additional premium based on an (a) rate. (c) Federal Employers= Liability Act Endorsements. To provide program I for employments

TITLE 20: DEPARTMENT OF COMMERCE subject to FELA attach the standard Federal Employers= Liability Act coverage endorsement (WC 00 01 04). To provide program II, also attach the standard voluntary compensation and employers= liability coverage endorsement (WC 00 03 11). (d) Longshore and Harbor Workers= Compensation Act. When insurance is provided for liability under admiralty law or FELA, insurance for liability under the LHWCA also may be necessary. To provide such insurance, attach the standard Longshore and Harbor Workers= Compensation Act coverage endorsement (WC 00 01 06). Modified, 1 CMC ’ 3806(f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). ’ 20-40.3-1115 Exclusions Unless specifically excluded, coverage for liability of an employer under admiralty law or FELA is provided by the policy under part two employers liability. The policy may be endorsed to exclude such coverage as follows: (a) Exclusion of Admiralty Law Liability. To exclude, admiralty liability, attach the standard maritime exclusion endorsement (WC 00 02 02). (b) Exclusion of Federal Employers= Liability Act Liability. To exclude FELA liability, attach the Federal Employers= Liability Act exclusion endorsement (WC 00 01 05). Modified, 1 CMC ’ 3806(f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). ’ 20-40.3-1120 Limit of Liability (a) Standard Limit. The standard limit of liability under part two - employers= liability insurance for admiralty or FELA insurance under program I or II is $25,000. (1) Accident Limit. The limit of liability applies to all bodily injury arising out of any one accident. (2) Disease Limit. The limit of liability also applies as a separate aggregate limit for all bodily injury by disease. The aggregate limit for all bodily injury by disease.* The aggregate limit applies separately to bodily injury by disease arising out of work in each state shown in item 3.A of the information page. (3) Show Limits on Endorsement. These limits of liability must be stated in the maritime coverage endorsement and/or the Federal Employers= Liability Act coverage endorsement. *So in original.

TITLE 20: DEPARTMENT OF COMMERCE (b) Increased Limits. (1) Increased limits of liability under part two - employers= liability insurance are available. The additional premium for increased limits applying the factor in the following table for increased limits to the total premium for admiralty or FELA classifications before application of: (i) Expense constant (ii) Experience rating or merit rating modification (iii) Premium discount or retrospective rating adjustment. (2) The premium for increased limits is subject to an experience rating modification and merit rating modification. Table for Increased Limits Limit Per Factor Minimum Minimum Accident Premium Premium Program I Program II $25,000 1.00 Refer to rate Refer to rate page page 50,000 1.09 100,000 1.15 200,000 1.23 300,000 1.29 400,000 1.34 500,000 1.38 (c) Minimum Premium. The separate minimum premium shown in the above table for increased limits applies to a policy which includes classifications for operations subject to admiralty law or the FELA. Such minimum premium is the lowest premium for insuring admiralty or FELA operations and it shall apply in addition to the minimum premium or premium for other operations on such a policy. It is not subject to an experience or merit rating modification. Modified, 1 CMC ’ 3806(f), (g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The original paragraphs of subsection (b) were not designated. The commission designated subsections (b)(1) and (b)(2). In subsections (a) and (b), the commission inserted apostrophes where appropriate. The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). The Commission inserted semicolons at the ends of subsections (b)(1)(i) and (b)(1)(ii) pursuant to 1 CMC § 3806(g).

TITLE 20: DEPARTMENT OF COMMERCE ’ 20-40.3-1125 Classifications and Rates The classifications for admiralty or FELA operations follow. The rates are on the rate pages: CLASSIFICATIONS Code Number Program I Program II State Act L&H Benefits Benefits Boat Livery - boats under 15 tons 7038 7090 7050 This classification includes the laying up or putting into commission of boats. Boats 15 tons or over to be separately rated under the appropriate vessels classification. Diving - marine 7394 7395 7398 Dredging - all types 7333 7335 7337 Ferries 7019 7027 7062 This classification includes dock employees. Fishing Vessels - NOC 7039 7091 7051 This classification includes packing, curling or shipping fish and repair of nets or boats. Oyster Boats 7079 7097 7070 This classification includes planting; harvesting; and operation of boats. Salvage Operations - marine 7394 7395 7398 Supply Boats 7020 7028 7131 Tugboats 7020 7028 7131 Vessels - NOC 7016 7024 7047 Vessels - not self-propelled 7046 7098 7099 Such vessels having a regular master and crew who are furnished living quarters aboard the vessel, shall be rated as Avessels NOC.@ Vessels - sail 7036 7088 7048 Wrecking - marine 7394 7395 7398 Yachts - private - sail or power 7037 7089 7152 Federal Employers’ Liability Act Railroad Operations - all

TITLE 20: DEPARTMENT OF COMMERCE employees including drivers 7151 7153 7152 This classification contemplates the normal operations of railroads including normal maintenance and repair. All extraordinary repair work including such work as rebuilding bridges, grade crossing elimination, laying or relaying track and all new construction. Operations shall be classified as code 6702, 6703 or 6704. Clerical Office Employees - NOC 8814 8805 8815 Salespersons, Collectors or 8737 8734 8738 Messengers - outside Railroad Construction - all operations 6702 6704 6703 salespersons and drivers Modified, 1 CMC ’ 3806(f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). ’ 20-40.3-1130 Waters Not under Admiralty Jurisdiction (a) Coverage. An insured may conduct operations on waters not subject to admiralty jurisdiction. Insurance for such operations shall be provided by the policy and endorsement forms and is subject to the rules which apply to statutory workers compensation insurance. Rates are on the rate pages. (b) Premium Determination. The admiralty classifications and rates for program II apply to operations described in subsection (a) above. Rates are on the rate pages. (c) Admiralty Law or LHWCA Liability. If there is a potential liability under admiralty law, follow the premium rules for insurance under admiralty law. If there is a potential liability under the LHWCA, refer to part 1000. Modified, 1 CMC ’ 3806(c), (f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). Part 1200 - Domestic Workers; Residences ’ 20-40.3-1201 Definitions

TITLE 20: DEPARTMENT OF COMMERCE (a) Inside Domestic Workers. Domestic workers - inside are employees engaged exclusively in household or domestic work performed principally inside the residence. (Ex. cook, housekeeper, laundry worker, maid, butler, caregiver, nurse or baby sitter.). (b) Outside Domestic Workers. Domestic workers - outside are employees engaged exclusively in household or domestic work performed principally outside the residence. (Ex. private chauffeur, gardener, etc.) (c) Occasional Domestic Workers. Domestic workers - occasional are domestic workers, inside or outside, who are employed part-time. Any domestic worker employed more than 2 of the customary full time shall be assigned and rated as a full time domestic worker. (Ex. persons engaged on certain days for gardening, cleaning, laundering or baby sitting). Modified, 1 CMC ’ 3806(f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). ’ 20-40.3-1205 Coverage; Voluntary Compensation Insurance Voluntary compensation insurance for domestic workers may be provided by attaching the voluntary compensation and employers= liability coverage for residence employees endorsement (WC 00 03 12). Modified, 1 CMC ’ 3806(f), (g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The commission inserted the apostrophe in Aemployers@ to correct a manifest error. ’ 20-40.3-1210 Name of Insured The name of insured must reflect the employer=s name and residence where such domestic worker is employed. Modified, 1 CMC ’ 3806(g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The commission inserted the apostrophe in Aemployers@ to correct a manifest error. ’ 20-40.3-1215 Classifications (a) Domestic Workers. (1) The following classifications apply to operation of domestic workers:

TITLE 20: DEPARTMENT OF COMMERCE Classifications Code Domestic Workers – Inside 0913 Domestic Workers – Outside 0912 Domestic Workers - Occasional (inside or outside) 0908 (2) Exception. If commercial farm operations are conducted, codes 0912 and 0908 do not apply to any operations at the farm location. Refer to the farm classifications in the classification section of the manual in this subsection. (b) Maintenance, Repair or Construction Operations. (1) Codes 0913, 0912 and 0908 include ordinary repair or maintenance of the insured=s premises or equipment by domestic workers. (2) Building maintenance or repair by employees hired only for that purpose shall be assigned to code 9015 - Building NOC - operations by owner or lessee. (3) Extraordinary repairs, alternations, new construction, erection or demolition of structures shall be assigned to construction or erection classifications. Modified, 1 CMC ’ 3806(d), (f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The original paragraphs of subsection (a) were not designated. The commission designated subsections (a)(1) and (a)(2). ’ 20-40.3-1220 Rates and Premium (a) Rates. The rates for codes 0913, 0912 and 0908 are based on the annual salary of the domestic worker. (b) Records Required. The insured shall maintain a record of the names, duties and period of service of each domestic worker. (c) Estimated Premium for Domestic Workers. Estimated premium for codes 0912, 0913 and 0908 shall be computed on the estimated annual payroll of such domestic worker during the policy period. If additional domestic workers are employed during the policy period then their estimated annual premiums shall be pro-rated for the duration of the existing coverage. Modified, 1 CMC ’ 3806(f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). The Commission added periods at the ends of subsection titles pursuant to 1 CMC § 3806(g). ’ 20-40.3-1225 Minimum Premium For a policy with two or more classifications, apply the highest minimum premium for any classification in the policy. History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003).

TITLE 20: DEPARTMENT OF COMMERCE Part 1300 - Final Earned Premium Determination ’ 20-40.3-1301 Actual Payroll Final earned premium for the policy shall be determined on actual, instead of estimated, payroll or other premium basis. Modified, 1 CMC ’ 3806(f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). ’ 20-40.3-1305 Premium Determination The determination of final earned premium is governed by the rules, classifications and rates in the manual in this subchapter. Modified, 1 CMC ’ 3806(d), (f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). ’ 20-40.3-1310 Audit Rights of Carrier The insurance carrier has the right to compute earned premium based on an examination of original payroll records and books of account of the insured, in accordance with part five - premium of the standard policy. Modified, 1 CMC ’ 3806(f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Part 1400 - Miscellaneous Provisions ’ 20-40.3-1401 Excess Insurance (at Carriers= Discretion) (a) Excess insurance should only be contemplated by self-insured employers (refer to ’ 20- 40.3-815). (b) Excess insurance is only available to employers who have been granted permission for self insurance by the Workers= Compensation Commission. Excess insurance may be written to cover losses in excess of an employer=s retention of $7,500,$10,000, $15,000,$20,000, $30,000peraccident.Excessinsuranceratescontemplate$1,000,000 maximum limits. (c) Risks to be rated for excess compensation insurance should be submitted to the Office of the Insurance Commissioner and the Workers= Compensation Commission. Modified, 1 CMC ’ 3806(c), (f), (g).

TITLE 20: DEPARTMENT OF COMMERCE History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: The original paragraphs were not designated. The commission designated subsections (a) through (c). In subsections (a) and (b), the commission inserted the apostrophes in AWorkers.@ Appendix A Classification and Tariff Section NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Accountants 8803 0.14% 19 Acoustical Contractor - use Insulation Work 5479 3.20% 95 Addressing or Mailing Cos. - use Mailing or Addressing Cos. 8800 0.39% 25 Adobe Brick Mfg/Brick or Clay Products Mfg. 4041 9.07% Advertising Cos. - outdoor - selling space for advertising purposes - including shop 9549 4.79% operations, and the erection, painting, repair, maintenance, or removal of signs; sign painting or lettering in or upon buildings or structure; (Bill posting to be separately rated) Advertising Agencies Clerical Office Employees (inside work) 8810 0.17% 19 Salesmen, Collectors, Messengers 8742 0.36% 24 Aerial Photography/Aircraft Operation-Patrol 7424 5.85% Air Compressor Mfg./Machine Shops 3632 6.14% 169 Air Conditioning (Self-contained units-installation)/Household Appliances 9519 1.74% 59 Air Conditioning Systems - Installation/Sheet Metal Work 5538 4.98% 138 Aircraft Operation: Definitions, Assignments of Payrolls Aircraft Operation (1) Aircraft Operation - Agricultural - All members of flying crew including dusting, spraying, seeding, bird herding or hunting 7409 11.59% (2) All employees other than members of the flying crew - including field or hangar employees, loaders and flagmen 7410 5.97% NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Aircraft Operation - Scheduled and Supplemental Air Carriers: (1) All members of flying crew 7405 2.97% 89 This classification shall apply to scheduled or commercial air carriers, including cargo carriers, operating under part 121 of Fed Aviation Reg. (2) All employees other than members of the flying crew (ticket sellers or

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM information clerks to be separately rated as 8810 - AClerical Office Emp.@) 7403 1.40% 50 Aircraft Operation - Commuter Carriers: (1) All members of flying crew 7413 2.83% This classification shall apply to commuter air carriers who operate under part 135 of the Federal Aviation Regulations, conduct ast least five round trips per week, and publish flight schedules. (2) All employees other than members of the flying crew (ticket seller s or 7428 3.17% information clerks shall be separately rated as 8810 AClerical Office Emp.@) Aircraft Operation - All Others (1) Aircraft Operations - other than agricultural, scheduled or supplemental air carriers - all employees - other than members of the flying crew - including field or hangar instructors. (Ticket sellers or information clerks to be separately rated as 8810 AClerical Office Employees@; classroom instructors to be separately rated as 8868 - AColleges or Schools,@ ground photographic laboratory employees to be separately rated as 4361

• APhotographers - all employees@; payroll of members of flying crews to be separately rated) 7428 3.17% (2) Aircraft Operation - Charter - use Aircraft Operation - Sales or Service 7424 5.85% (3) Aircraft Operation - Helicopter - members of flying crew - N.O.C. 7425 19.81% (4) Aircraft Operation, members of flying crew - N.O.C. 7424 5.85% (5) Aircraft Operation - Parachute jumping - use Aircraft Operation - Public Exhibition 7419 12.87% (6) Aircraft Operation - patrol; photography; mapping; skywriting; advertising or survey work - all members of flying crew 7424 5.85% (7) Aircraft Operation - Sales or Service Agencies; charter; taxi or sightseeing, student instruction, members of flying crew 7424 5.85% Aircraft Remanufacture, Conversion, Modification and Repair companies - not engaged in the original manufacturing of aircraft 7428 3.17 Aircraft Schools - Classroom instruction - use Colleges 8868 0.21 20 Aircraft Operators - all employees - including field or hangar instructors; Drivers, Chauffeurs and their helpers. (Ticket sellers or information clerks to be separately rated as 8810 - AClerical Office Employees,@ classroom instructors to be separately rated as 8688 - AColleges 7429 8.30% or Schools,@ ground photographic laboratory employees to be separately rated as 4361 - APhotographers - all employees@; payroll for members of flying crew to be separately rated in accordance with the provisions of the manual. Alarm (Fire or Burglar) Systems - Sales & Installation/Telephone, Telegraph or 7601 4.63% 131 Fire Alarm) Alcohol Mfg. - Grain 2130 3.78% 110 Alcohol Mfg. - Wood 1472 4.32% 123 Aluminum Awning Installation 5102 3.63% 106 Aluminum Scrap Metal Dealer - Use Salvage Material, Metal Scrap Dealers 3500 7.12% Aluminum Ware Mfg. - from sheet aluminum (rolling mill or smelting to be 3066 3.16% 84

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM separately rated) Ambulance Services - all operators 7332 10.73% Amusement Parks or Exhibitions (1) Care, custody and maintenance of premises; operation of elevators or heating, lighting or power apparatus - including policemen, watchmen, musicians, box office employees or gate attendants. 9016 2.84% 86 Operation or maintenance of amusement devices, restaurants and retail stores to be separately rated; pari-mutual employees - rate separately as 8810 - AClerical Office Employees.@ (2) Operation and maintenance of merry-go-rounds, swings, roller coasters or other amusement devices not specifically classified - including ticket collectors 9180 6.95% 189 connected therewith. Bath houses, billiard halls, bowling centers, dance halls, restaurants, retail stores, skating rinks and theaters shall be separately rated as otherwise provided by this manual. Analytical or Testing Laboratory - including outside oprtns, - N.P.D. This classification does not apply to outside X-raying operations or drilling operations. Outside X-raying operations shall be assigned to 3365 - AWelding or 4511 1.54% 54 Cutting@ and drilling operations shall be assigned to 6204 - ADrilling - N.O.C.@ Animal Hospital - use Hospital Veterinary 8831 5.23% 146 Animal Membranes - Preparation - use Meat Products 2095 4.28% 122 Antique Dealers - Stores (Misc Merchandise) use Store Risks Retail N.O.C. or 8017 0.49% 27 Stores - Furniture (if primarily furniture sales) 8015 3.63% Apartment Hotels - use Hotels 9050 5.67% Apartment Houses - use Bldgs. Oprtn by owners or lessees 9015 3.11% 93 Appliance Store - Household Appliance - Service or Repair 9519 1.74% 59 Appliance Store - wholesale or combined wholesale and retail - use Store Risk - wholesale 8018 1.44% 51 Automobile or Automobile Truck Dismantling - including the salvaging or junking of parts, store operations 3821 11.54% 301 Automobile or Automobile Truck Parts Machining and Rebuilding - N.P.D. This classification is intended to apply to operations such as automobile truck engine rebuilding, cylinder reboring, valve grinding, turning down brake drums, transmission rebuilding, rebabbiting, carburetor and generator rebuilding and fuel 3826 5.07% and water pump rebuilding. It does not apply to any employer who removes parts from automobiles or automobile trucks for the purpose of machining or rebuilding, installs parts in automobiles or automobile trucks or otherwise works directly upon automobiles or automobile trucks. Payroll of a parts department, when more than 50% of the parts are sold commercially and are not machined or rebuilt by the insured nor used in the insured=s machining or rebuilding operations, shall be assigned to 8046, AStores - automobile accessories.@

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Automobile or Automobile Truck Repair Shops or Garages - including all engine, mechanical, electrical, body and fender repairing or rebuilding 8389 5.51% Recapping or retreading of tires to be separately rated. Automobile or Automobile Truck Service Stations - including accessory and spare parts departments; N.P.D. with 8391 - AAutomobile or Automobile Repair Truck Dealers,@ 8389 - AAutomobile or Automobile Truck Repair Shops or Garages,@ and 8387 2.62% 81 8392 AAutomobile or Automobile Truck Store Garages or Pkg. Stations or Lots. This classification includes cashiers who receiver payment from customers. Recapping or retreading of tires to be separately rated. Automobile Accessory Stores - See AStores@ 0046 1.00% 40 Automobile Body Painting - including incidental sanding - N.P.D. with 3808 - AAutomobile or Motorcycle Mfg. or Assembling,@ 3815 - AAutomobile Truck or Automobile Truck Trailer Mfg. or Assembling,@ 3815 - Automobile Body Mfg.,@ 2797 - A Automobile Body Mfg.,@ 2797 - AMobile Home Mfg.@ (Body and fender 9505 1.06% repairing shall be separately rated.) This classification shall apply only to a physically separated department engaged exclusively in painting operations with no interchange of employees Automobile Body Upholstering - N.P.D. with 3808 - AAutomobile or Motorcycle Mfg or Assembling,@ 3815 - AAutomobile Truck or Automobile Truck Trailer Mfg. 9522 .075% 34 or Assembling,@ or 3815 - AAutomobile Body Mfg.@ Automobile Gasoline Stations - retail - all employees - N.O.C. - N.P.D. This classification is applicable to those concerns engaged exclusively in the sale of gasoline or oil or replacement of accessories such as wiper blades, radiator caps, fuses, dash lamps or similar accessories not requiring the use of any tools. This classification is not applicable to any concern that engages in or maintains 8324 5.72% facilities for automobile repair, lubrication, tire repair or tire sales at the same location. This classification includes cashiers who receive payments from customers. Automobile Renting - use Automobile, Bus or Taxicab Companies 7382 2.51% 78 Automobile Schools - use Auto Dealers - all others 8391 2.35% 74 Automobile Van Conversion or Customizing - all operations - N.P.D. with 9505 - 8390 6.85% AAutomobile Body Painting,@ or 9522 - AAutomobile Body Upholstering@ Appraisal Inspectors - Mercantile or Mfg. - use inspection for insurance 8720 0.59% 30 Appraisers - Auction - use of Auctioneers 8090 1.43% 51 Architects, Buildings, Landscape, Naval - use Draughting (inside) 8810 0.17% 19 Engineers (outside) 8601 0.60% 30 Armoured Car Service - use Patrolmen 7721 6.71% Army or Navy Post Exchanges - use Store Risks Retail - N.O.C. also see 8017 .049% 27 Longshoreman=s & Harbor Workers Act Art Galleries - use Municipal - Librarians, Curators 8838 0.17% 19

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Art Supply Stores - Use Stores, Retail Risk - N.O.C. 8017 0.49% 27 Asbestos Covering on Boilers - use Steam Pipe or Boiler Insulation 5184 2.71% 84 Asphalt Laying - use Street or Road Construction 5506 7.26% 152 Asphalt or Tar Distilling or Refining - including manufacture of products obtained 4740 4.47% 127 therefrom; saturation of paper or felt with tar or asphalt; (Felt or paper manufacturing or coke burning to be separately rated) This classification is not applicable to chemical works or manufacturers of dyes or productions use as explosives. Asphalt Tile Laying - use House furnishings 9521 2.27% 72 Asphalt Works - grinding, pulverizing, or mixing asphalt (digging, mining or 1463 4.76% 134 quarrying to be separately rated). Asphalt Works - Temporary - in connection with street or road, use Street or Road 5506 7.26% 57 Construction Assaying - use Analytical or Testing Laboratory 4511 1.54% 54 Asylums - use Hospitals 9043 2.73% Athletic Fields - use Athletic Teams or Parks - Care & Operation 9182 1.65% 56 Athletic Teams or Parks (1) All players on salary list of assured, whether regularly played or not - including umpires 9181 6.40% The entire remuneration of each player shall be included in computing premium, subject to a maximum of $60,000.00perseason.Whenaplayerworksfortwoormorefirmsinthesamesportduringtheseason,themaximumof$60,000.00 per season shall be prorated. Season, as used above, includes preseason and postseason exposure. (2) Care, operation and maintenance of grounds or care of teams - including ticket 9182 1.65% 56 sellers or collectors, trainers, coaches, managers or special officers Attorneys - all employees - including inside or outside salesmen, solicitors, or 8090 1.43% 51 appraisers Audio-Visual Equipment - Sales - use Stores - Retail Risk - N.O.C. 8017 0.49% 27 Auditors, Accountants, Factory Cost or Office Systematizers - all employees - 8803 0.14% 19 including Clerical Office Employees - N.P.D. Auditoriums - operation - use Buildings - N.O.C. 9015 3.11% 93 Automatic Sprinkler Installation - within buildings, including storage & yard 5188 4.60% 130 employees Automotive Industry: (1) Automobile or Automobile Salesmen 8748 0.57% 29 (2) All Other Employees - including accessory or spare parts sales classification 8391. AAll Other Employees@ shall apply only to those concerns having an addition 8391 2.35% 74 to proprietors a full time clerical office force and a regular sales force engaged

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM exclusively in the demonstration and sale of automobiles and/or automobile trucks. Bakeries and Cracker Mfg. (Store operations shall be separately rated) 2003 1.35% 49 Banks - all employees - including appraisers, bank guards and attendants, field auditors, office machine repair, Clerical Office, Collectors, Salesmen 8808 0.56% This classification is not applicable to the operation of trusts, repossessed and other business properties away from the bank premises. Barber Shops or Beauty Parlors - all employees - including clerical office 9586 0.29% 22 Baths - Beach Houses - N.O.C. - all employees - including restaurant employees 9053 1.30% Bedding Plant Growing - Nurserymen 0005 3.62% 106 Bee Culture - use Nurserymen 0005 3.62% 106 Beer or Ale Dealers - wholesale or combined wholesale and retail - all operations - 7392 7.93% N.P.D. with 2121 ABreweries@ Bicycle Renting - use Stores - Hardware - retail 8010 1.27% 47 Bicycle Repair - Use Stores - Hardware - retail 8010 1.27% 47 Bill Posting (Erection or repair of signs to be separately rated) 9545 6.86% Billiard Halls - all employees - including restaurant or tavern employees - N.P.D. 9092 3.30% Blasting - N.O.C. - all employees 1330 9.63% Blueprinting - use Photographers 4361 0.60% 30 Boat Building or Repairing, Hull & Deck Remover or Assembler - boats not 6834 8.00% exceeding 150 ft. in length overall - including shop and yardwork Boat Chartering and Rental, Banana Boat and Jet Ski Operations - use Amusement 9180 6.95% 189 Parks - Operations and Maintenance Boat Crew, Deckhand or Deck Engineer 908 6.00% 21 Boat Dealers - all operations 8057 3.77% Display and parts departments physically separated from repair shops; rate as AHardware Stores,@ 8017 Boat Marinas - use Buildings - N.O.C. 9015 3.11% 93 Amusement Parks, Care, Custody 9016 2.84% 86 Boats - Cutting up steel hulls - Wrecking - Marine 6890 13.85% Boiler Inspection - use Inspection for Insurance for Valuation - N.O.C. 8720 0.59% 30 Boiler Installation, Repair or Setting - steam 3726 17.23% 441 All masonry, brick work or concrete work in connection with this classification shall be rated under 5022 - AMasonry@ or 5213 - AConcrete Work@ respectively.

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Boiler Scaling - use Boiler Installation, Repair or Setting 3726 17.23% 441 Booking Agencies - use Clerical Office (inside) N.O.C. 8810 0.17% 19 Salesmen, Collectors and Messengers (outside) 8742 0.35% 24 Bookbinding Operation: (1) Editing, designing, proofreading and photographic composing - including clerical office employees 8807 0.67% (2) Salesmen, Collectors or Messengers - outside 8742 0.36% 24 (3) All Other Employees - including miscellaneous employees 4299 1.95% 64 Drivers chauffeurs and helpers shall be rated separately as 4299 - Bookbinding Boot or Shoe Manufacturing or Repairing 2660 0.84% 36 Boring - Horizontal - at street crossings for installation of conduit, sewers, water and gas mains. Assign to the classification applicable to the installation of these utilities. Bottling - Beverages - No spirituous liquors 2163 5.92% Bottling Wine - use Stores - retail - Wine or Spirit Merchant 8041 6.68% Bowling Centers - with or without billiard halls - all employees - including 9092 3.30% restaurant or tavern employees Box Mfg. - folding paper boxes - N.O.C. - (paper or paper board manufacturing to 4243 3.61% 105 be separately rated) Box Mfg. - solid paper boxes - (paper or paper board manufacturing to be 4240 1.89% 62 separately rated) Boy and Girl Scout Councils Camp operation - all camp operations - including Clerical Office Employees at 9048 7.73% camp locations Breakwater Construction - use Jetty or Breakwater Construction 6381 8.13% Brick or Clay Products - N.O.C. - including construction and reconstruction of sheds and kilns (mining, quarrying or clay digging to be separately rated) 4041 9.07% (Drivers, chauffeurs, and their helpers to be separately rated as 8232 - ABuilding Material Dealers@) Bridge Building - metal (Excavation , concrete work and reinforcing steel installation in connection with concrete work shall be separately rated) 5040 18.04% 461 Bridge Construction - Concrete - use Concrete Construction 5222 6.45% 176 Bridge or Trestle Construction - Wood - all operations (Pile driving, excavation, 5003 12.51% 323 concrete work and reinforcing steel installation in connection with concrete work shall be separately rated) Briquette Mfg. - coal or wood 1463 4.76% 134 Buffing or Polishing Metal - N.O.C. 3372 2.03% 66

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Building Materials Dealers - commercial - no second-hand materials 8232 3.85% 111 This classification contemplates the sale of sand, gravel, rock, cement, brick, fencing wire, wall board, doors, roofing paper, paneling, decorative stone, foundation piers, pipe, button board and similar bldg. material items. Building or Roofing Paper or Felt Preparation 4283 6.36% (Paper or felt manufacturing to be separately rated) This classification is not applicable to asphalt or tar distillation or refining plants which include the saturating of paper of felt as part of their operations. Building Operation - including janitorial services, care, custody and maintenance 9015 3.11% 93 of premises. The use of this classification is subject to a minimum payroll of $2,000perannumperonelocationandtoaminimumof$1,000 for each additional location covered by the same policy. The above requirements shall apply only to flats, apartments, or multiple dwellings having four or more units. New construction, alterations, or demolition work shall be separately rated. The preparation or serving of hot foods shall be separately rated under Restaurants, 9079. Buildings - Prefabricated Construction - use Carpentry Shop only 2683 3.23% 96 Iron Works - shop 3040 12.80% 330 Burglar Alarm and Security Alarm Systems Installation, Service or Repair - within buildings - including storage and yard employees. 7605 3.46% Employees responding to alarms shall be separately rated under code 7721, Detective or Patrol Agencies. Bus or Limousine Operations - all employees 7382 2.51% 78 Butane Gas - Delivery and Recharging - use Gasoline or Oil Dealers 8360 2.36% 74 Butane or Shellane Units - Installation - use Plumbing - N.O.C. 5183 2.74% 84 Butchering - including the handling of livestock 2081 6.66% 182 Cabinet Works - with power driven machinery - including manufacture of bank, 2883 3.23% 96 store & office furniture & fixtures Cable Insulation 4470 2.27% 72 Cable Splicing - Shop or Yard 8227 1.95% 64 Caisson Work - all operations to completion - including pile driving, excavation, 6252 16.65% 426 masonry or concrete work up to completion or substructure only Camera Repair Shops (not motion picture) - use Instrument Mfg. -N.O.C. 3681 1.55% 56 Camps - Recreational or educational - all operations - including Clerical Office 9048 7.73% employees at camp locations Canal Construction - all operations (pile driving, tunneling, dam or sewer 6361 8.13% construction to be separately rated) Candle Mfg. 4557 1.64% 56

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Candle Shops - use Store Risks - retail - N.O.C. 8017 0.49% 27 Candy Machines - shop and outside - use Vending or Coin Operated Machines 5192 1.28% 47 Candy Mfg. 6504 2.38% 75 Candy Store and Food Mfg. - use Store Risks - retail - N.O.C. 8017 0.49% 27 Canvas Goods - erection, removal or repair - use Tent Erection - Removal, Repair 9539 8.98% 235 Car Wash - use Automobile or Automobile Truck Service Stations 8387 2.62% 81 Carnivals or Circuses - all employees including Clerical, Salesmen 9185 25.96% Carpentry - construction or remodeling of detached 1 or 2 family residences and 5645 5.38% 149 private garages in connection with such structures - including installation of interior trim, builder=s finish and cabinet work. This classification is applicable to the installation of shingle roofing, or insulation material, but only if installed by the same contractor who performs the carpentry work at the same job location. All other roofing is to be separately rated. The making, erecting or stripping of forms in connection with concrete work shall be assigned to the appropriate concrete classification. Carpentry - construction or remodeling of dwellings up to three stories in height 5645 5.36% 149 and private garages in connection therewith - including installation of interior trim, builder=s finish, and cabinet work. This classification is applicable only to structures designed primarily as family dwellings. It is also applicable to the installation of shingle roofing, or insulation material, but only if installed by the same contractor who performs the carpentry work at the same job location. All other roofing is to be separately rated. Carpentry in connection with the construction or remodeling of detached 1 or 2 family residences to be separately rated as 5645, ACarpentry.@ The making, erecting or stripping of forms in connection with concrete work is to be assigned to the appropriate concrete classification. Carpentry - shop only - (commercial lumber yards, building material dealers or 2883 3.23% 96 fuel material dealers to be separately rated). Where a risk deals in any lumber or building materials or in any fuels and materials in addition to performing carpentry shop operations, all yard operations including all drivers, chauffeurs and their helpers shall be rated in the appropriate yard classification. Carpet Dealers - use Stores - Floor Covering - retail 8017 0.49% 27 Carpet Cleaning - use Carpet, Rug, or Upholstery Cleaning - N.P.D. 2585 2.57% 79 Carpet Installation - use House Furnishings - N.O.C. 9521 2.27% 72 Carpet, Rug or Upholstery Cleaning - shop or outside - N.P.D. with 9008 - 2585 2.57% 79 AJanitorial Services,@ and 9015 - ABuilding Operation@ Cash Register - Sales and Service - use Stores - risk - retail - N.O.C. (Sales) 8017 0.49% 27 Office Machines Installation (Service) 5191 0.82% 36

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Cat and Dog Hospitals - use Hospitals - Veterinary 8831 5.23% 146 Caterers - use Restaurants 9079 1.27% 47 Cattle Feeders or Raising - use Farms - Stock Farms 0038 12.76% Ceiling Installation - Suspended acoustical grid type. 5020 5.64% Insulation work shall be separately rated. Cement Mfg. (Excavation or digging, dredging, mining or quarrying to be 1701 3.25% 96 separately rated) (Hauling of finished product to be rated as 8232 - ABuilding Material Dealers@) Cement Work - use Concrete or Cement Work 5200 4.31% Concrete Construction 5213 5.49% 152 Cemetery Operation - all employees 9220 3.00% 90 Ceramics 4049 5.23% Cesspool Digging - use Sewer Construction 6305 7.34% 199 Chamber of Commerce - use Clerical Office (inside) N.O.C. 8810 0.17% 19 Salesmen, Collectors, Messengers (outside) 8742 0.36% 24 Charcoal Mfg. 1472 4.32% 123 Charitable Organizations - use Clerical (inside) N.O.C. 8810 0.17% 19 Salesmen, Collectors, Messengers (outside) 8742 0.36% 24 Chemical Mixing, Blending and Repackaging Only - not manufacturing of 4828 7.59% ingredients. Chemical Products Dealers - use Stores - Retail - N.O.C. 8018 1.44% 51 Chemist - Analytic - use Analytical or Testing Labs 4511 1.54% 54 Child Centers - use Colleges & Schools Professors, teachers 8868 0.21% 29 Clerical Office (inside) N.O.C. 8810 0.17% 19 All other employees 9101 2.52% 78 Christmas Tree Selling - retail - use Stores - Risks - Retail - N.O.C. 8017 0.49% 27 Churches: (1) Clergy, Professional Assistants, Organists or Members of Choir - including all Clerical Office Employees 8840 0.21% 20 (2) All other employees 9015 3.11% 93 Circuses - use Carnivals or Circuses 9185 25.96% Civil Engineers - Consulting - use Engineers - consulting 8601 0.60% 30

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Cleaning or Dyeing - including repairing or pressing, including cash & carry 2586 1.35% 49 departments on plant premises Cleaners Pick-up Station - Store Risks - Retail - N.O.C. 8017 0.49% 27 Clearing land - all operations 2702 1.35% 341 Clerical Office Employees - N.O.C. 8810 0.17% 19 The use of this classification is subject to the provisions of the Manual Rules and Standard Exceptions. Clinics - use Physicians or Dentists 8834 0.68% Cloth Printing - use Printing Operation 4299 1.95% 64 Cloth Sponging - use Cleaning or Dyeing 2586 1.35% 79 Clothing Mfg. - including Embroidery 2501 0.46% 27 Clothing Wearing Apparel or Dry Goods Store - retail - use Stores - clothing - 8008 0.60% 30 manufacturing operations Clothing, wearing apparel or dry goods stores - wholesale or combined wholesale 8032 0.51% 28 and retail - use stores - clothing - no manufacturing Clubs - Country, golf, swimming, tennis or yachting - all employees - including 9060 1.65% 54 restaurant or tavern employees. Clubs - Riding - all employees 7207 5.35% 149 Clubs - N.O.C. - all employees - including Clerical Office Employees, Salesmen 9061 1.30% 48 Clubs - Shooting 9180 6.95% 189 The preparation or serving of hot foods shall be separately rated under Restaurants, 9079 Coconut Shredding 6504 2.38% 75 Coffin or Casket Mfg. or Assembling - Wood 2881 1.51% 53 Upholstery operations shall be separately rated as 9522, ACoffin or Casket Upholstery Work@ Coffin or Casket Upholstery Work 9522 0.75% 34 Cold Storage Lockers - use Stores - Meat, fish or poultry - retail 8031 3.20% 95 Collection Agencies - use Clerical (inside) 8810 0.17% 19 Collectors - Field - use Salesmen, Collectors, Messengers 8742 0.36% 24 Colleges or Schools: Private (not Automobile Schools) (1) Professors, Teachers or Professional Employees 8868 0.21% 20 (2) All employees other then professors, teachers or professional employees - 9101 2.52% 78 including cafeterias Commercial Artist - use Clerical (inside) 8810 0.17% 19

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Commissary Work - in connection with construction, erection, lumbering or 9078 2.07% 67 mining operations or petroleum - cooks, waiters, and all other employees engaged in furnishing board or lodging. Community Care Facilities for Adults - all employees - N.P.D. with 8823 - 9070 5.23% AResidential Care Facilities for Children,@ 8804 - AAlcoholic and Drug Recovery Homes,@ or 8804 - ASocial Rehabilitation Facilities for Adults@ This classification shall be applicable to those firms providing community care facilities for residents who are ambulatory and where the facilities are non- medially oriented. When skilled nursing care is provided as an identifiable unit, such nursing care unit shall be assigned to code 8829. Company owned Aircraft - Pilot - use Aircraft Operation 7424 5.85% Composition Sinks and Drainboards Installation - use Furniture or Fixtures - 5146 2.44% 76 N.O.C. Computer Companies - use Data Processing Cos. 8810 0.17% 19 Concrete Block Construction - use Masonry - N.O.C. 5022 6.06% 167 Concrete Bridge Construction - use Concrete Construction 5222 6.45% 167 Concrete Construction - in connection with bridges or culverts - all types - where 5222 6.45% 176 clearance is more than 10 feet at any point or entire distance between terminal abutments exceeds 20 feet - including making, setting up or taking down forms, scaffolds, falsework, or concrete distributing apparatus; (excavation, reinforcing steel installation, pile driving, all work in tunnels, subways, caissons or cofferdams or on structural metal frame members of bridges to be separately rated) Concrete Construction - N.O.C. - including foundations, or the making, setting up 5213 5.49% 152 or taking down of forms, scaffolds, falsework or concrete distributing apparatus - N.P.D. with 5222 - AConcrete Construction - bridges or culverts,@ - 5040 - ABridge Building - metal,@ 5003 - ABridge or Trestle Construction - wood@ or 5506 or 5507

• AStreet or Road Construction.@ (Excavation; reinforcing steel installation; pile driving; all work in connection with sewers, tunnels, subways, caissons or cofferdams to be separately rated) Concrete or Cement Work - pouring or finishing of concrete sidewalks, driveways, 5200 4.31% patios, curbs or gutters - including the making or stripping of forms. Concrete or Cement Work - pouring or finishing of concrete slabs, poured in place 5200 4.31% and on the ground for other than concrete buildings or structural steel buildings of multi-story construction - including the making or stripping of forms. This classification also applies to the pouring or finishing of concrete foundations for private residences for occupancy by one or two families or other wood frame family dwellings not exceeding three stories in height and garage ins connection with either. This classification does not apply to the pouring or finishing of any floors of concrete buildings, not to the foundations or any concrete floors poured in place of structural steel buildings of multistory construction. Concrete or Cement Work - pouring or finishing of precast concrete wall panels, 5214 3.55%

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM precast floor slabs or precast roof slabs at ground level and at job site - including the making or stripping of forms (reinforcing steel installation to be separately rated) This classification also applies to the pouring or finishing of ground floors of buildings for which precast concrete wall panels, floor slabs or roof slabs become an integral part. It does not apply to the subsequent erection and placement of panels and slabs; all concrete operations performed in connection therewith, including floors poured in place above the ground floor, shall be separately rated as 5213 - AConcrete Construction - N.O.C.@ Concrete Products Mfg. - shop or yard work only - (drivers, chauffeurs and their 4034 7.98% 210 helpers to be rated as 8232 - ABuilding Material Dealers@) This classification includes the manufacture of concrete blocks, bricks, poles, piles, beams, sewer pipes, irrigation pipes, tile or similar products at a permanent location. It is not available for payroll division when the work is done at the place where construction operations are carried on or for any plant especially established or operated in connection with such construction work. Country Clubs - use Clubs 9060 1.65% 54 Court Reporters - use Clerical Office Employees - N.O.C. 8810 0.17% 19 Cracker Mfg. - use Bakeries & Cracker Mfg. 2003 1.35% 49 Crane - Mobile - Contractors - Truckmen - N.O.C. 7219 4.92% 138 Credit Bureaus - use Clerical Office Employees - N.O.C. (inside) 8810 0.17% 19 Salesmen, Collectors, Messengers (outside) 8742 0.36% 24 Crematory Operators - all employees 9220 6.08% 90 Dance Studios - Instructors - use Colleges or Schools - Teachers 8868 0.21% 20 Data Processing Companies - use Clerical Office Employees - N.O.C. 8810 0.17% 19 Day Nurseries - use Colleges or Schools - Professors or Teachers 8868 0.27% 20 Decorating - use Painting, Decorating or Paper Hanging - N.O.C. 5474 4.07% 117 Decorating - interior or exterior - hanging flags or bunting for conventions or 9529 11.37% celebrations Deep Sea Divers and Instructors 6890 13.85% Dehydrating - Fruit or Vegetable - use Fruit or Vegetable Evaporating or 2102 5.73% Dehydrating Delicatessens - use Stores - Delicatessen Stores - N.P.D. 8017 0.49% 27 Delivery Companies - for retail stores exclusively 7230 3.11% 93 Delivery Companies - packages under 100 lbs. - use Parcel Delivery Companies 7198 4.82% Demolition of Buildings or Structures 5701 34.17% 750

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Demonstrators in Stores - use Salesmen, Collectors or Messengers 8742 0.36% 24 Dental Laboratories - including Foundry or Casting Operations 4692 0.89% 37 Dentists and Dental Surgeons - All Employees - including clerical office 8839 0.55% employees - N.P.D. Department Stores - use Stores - Department Stores - Retail 8039 0.68% 32 Detective or Patrol Agencies 7721 6.71% Detinning 3372 2.03% 66 Discotheques - use Restaurants 9079 1.27% 47 Discount Stores - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Stores - Department - Retail 8039 0.68% 32 Stores - Furniture - Wholesale and Retail 8015 3.63% Dismantling Temporary Warehousing 5703 22.77% 569 Dispatchers - No exposure to operative hazard - Clerical Employees - N.O.C. 8810 0.17% 19 Distilling - N.O.C. (Bottle Mfg. to be separately rated) 2142 5.22% Ditching Contractors - see Trenching 6361 3.13% Doctor=s Office - use Physicians or Dentists 8834 0.68% Domestic Service Inservants 0913 12% 27 Outservants - including Private Chauffeurs 0912 12% 27 Occasional 0908 6* 21 Door, Door Frame or Sash Erection 5102 3.63% 106 This classification is applicable only when the door, door frame or sash erection is performed as a separate operation, not a part of, or incidental to, any other construction operations performed by the same contractor at the same job or location. Door, Door Frame or Sash Mfg. - Wood covered with sheet metal 3066 3.16% 94 Doughnut Shops - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Draftsmen 8810 0.17% 19 Drag Strips - Operation - use Amusement Parks - (premises) 9016 2.84% 86 Amusement Parks - (track operation) 9180 6.95% 189 Drainage System - Open - use Canal Construction 6361 8.13% Drainage Tile Mfg. - use Tile or Earthernware Mfg. - N.O.C. 4041 9.07% Drapery Dealers, including installation - use

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Store Risks - Retail - N.O.C. 8017 0.49% 27 House Furnishing (installation) N.O.C. 9521 2.27% 72 Drapery Mfg. - use Clothing Mfg. 2501 0.46% 27 Draying Companies - use Truckmen - N.O.C. 7219 4.92% 138 Parcel Delivery 7230 3.11% 93 Parcel Delivery Companies 7198 4.82% Dredger Construction - use Boat - Ship Building 6843 14.96% 384 Dredging 6223 8.06% Dress Shops - use Stores - Clothing, Wearing Apparel 8008 0.6% 30 Dressmaking or Tailoring - Custom Exclusively - not manufacturing - N.P.D. 2503 0.33% 23 Drilling Mud - Haul - use Garbage, Ashes or Refuse Collection 9403 6.29% 172 Drilling - N.O.C. - not oil producing, mining or quarrying - N.P.D. 6204 9.88% 257 Drive-in Restaurant - use Restaurants or Taverns 9079 1.27% 47 Driveway - Asphalt Paving - use Street or Road Construction - Paving 5506 5.47% 152 Driveway - Cement Paving - use Concrete or cement work 5200 4.31% Driving Schools, Taxi, Auto Schools - use Automobile Dealers - All other 8391 2.35% 74 employees Drug, Medicine or Pharmaceutical Preparations Mfg. - compounding, blending or 4611 1.44% 51 packing only - not manufacturing ingredients (manufacture of metal containers to be separately rated) Drug Stores - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Dry Dock Operation 6872 14.43% 371 Dry Goods Store - Retail - use Stores - Clothing, Wearing Apparel - Retail 8008 0.6% 30 Dry Goods Store - Wholesale & Retail Combined - use Store, Wearing Apparel - 8032 0.51% 28 Wholesale Dry Wall Application including finishing and preparation prior to painting - use 5445 5.52% 153 Wallboard Application Dump Operators - Refuse - use Garbage, Ashes or Refuse Dump Operations 9424 6.08% Earthenware Pottery Mfg. 4049 5.23% Earthquake Proofing 5703 22.77% 569 Egg Candling or Processing - use Store Risks - Wholesale - N.O.C. 8018 1.44% 51

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Egg Production - use Farms - Poultry 0034 2.6% 80 Electric Light or Power Companies - all operations - including construction or 7539 2.28% 72 extension of lines (construction of buildings, dams or reservoirs to be separately rated) Payroll of meter readers not exposed to operative hazards shall be assigned to 8742 ASalesmen, Collectors, Messengers@ Electric Light or Power Line Construction 7538 17.5% 448 Electrical Engineers - Consulting - use Engineers - Consulting 8601 0.6% 30 Electrical Machinery or Auxiliary Apparatus Installation or Repair - including 3724 3.03% 91 incidental wiring (erection of poles, stringing of wires, installation of service transformers on poles or on the outside of buildings, or the making of service connections to be separately rated) This classification is not available for division of payroll of employees of assured engaged in the installation or repair of electrical apparatus on the premises both occupied and operated by the assured. Such payroll must be included in the governing classification. Electrical Wiring - within buildings - including storage yard employees, 5190 2.93% 83 installation or repair of fixtures or appliances (installation of electrical machinery or auxiliary apparatus to be separately rated) Electroplating - N.P.D. 3372 2.03% 56 Elevator Erection or Repair 5160 3.65% 106 Elevator Inspecting - including Salesmen, Collectors, or Messengers - no service 8720 0.59% 30 inspections, oiling, adjusting or repairing Elevator Service Inspections, Oiling & Adjusting - no repair 8729 1.72% Embroidery Mfg. - use Clothing Mfg. 2601 0.46% 27 Employment Agencies - use Clerical Office - clerical - N.O.C. (inside) 8810 0.17% 19 Salesmen, Collectors, Messengers (outside) 8742 0.36% 24 Engineers - Consulting - Mechanical, Civil, Electrical and Mining Engineers and 8601 0.6% 30 Architects - not engaged in actual construction or operation - N.P.D. Engraving - N.P.D. 3131 3.58% Equipment and Machinery Dealers - Second-hand - use Salvage - Machinery and 8267 12.69% Equipment Dealers Equipment and Machinery Rental Yards 8227 1.95% 54 Equipment or Supplies Dealer - Second-hand - oil or gas wells 8113 7.91% Estimators, Appraisers, etc. - use Inspection for Insurance or Valuation - N.O.C. 8720 0.59% 30 Auctioneers (not livestock) 8090 1.43% 51

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Excavation - N.O.C. - including burrowing, filling or back-filling (mass rock 6217 10.5% 273 excavation, grading or excavation in connection with street or road construction, pile driving, shaft sinking, caisson or cofferdam work to be separately rated) Excavation - Rock - no tunneling 1624 8.67% 227 Exercise or Health Institutes - all employees - including restaurant employees; 9053 1.3% 48 Clerical office employees Executive Supervisors - Contracting - use Contractors - Construction or Erection - 5606 1.68% 57 Executive Supervisor Exhibitions - see Amusement Parks Expanded Shale Aggregate Mfg. - use Cement Mfg. 1701 3.25% 96 Expediter or Office Runner 7196 4.82% Express Companies - including employees engaged in railroad transportation 7219 4.92% 138 Exterminators - use Buildings - operation by contractors 9014 1.92% 63 Termite Control Work 5650 6% Extract Mfg. - Perfumery, medicinal or flavoring, including distillation of essential 4628 2.27% 72 oils Eyeglass Mfg. - Optical Goods Mfg. - N.O.C. 4150 1.41% 50 Factory Cost Systematizers - use Auditors 8603 0.14% 19 Fairs - use Amusement Parks or Exhibitions 9016 2.64% 86 Farms Dairy Farms 0036 7.35% Field Crops 0171 8.91% Orchards 0016 6.93% Potato Crops 0041 3.55% Poultry Raising, Egg Production and Hatcheries 0034 2.6% 80 Sheep or Goat Raising and Hog Farms 0034 2.6% 80 Stock Farms 0038 12.76% Farm Machinery Dealers including demonstration and repair 8116 3% 90 Display and parts departments physically separated from repair shops and selling parts commercially may be assigned to 8017 - AHardware Stores.@ Second-hand Afarm@ machinery dealers shall be assigned 8267 - AMachinery and Equipment Dealers - second-hand.@ Feed Dealers 8216 3.52% 103 Fence Construction - Metal or Wood 6400 5.04% 141 Fertilizer Dealers - including spreading - handwork only - use Garbage, Ashes or 9403 6.29% 172 Refuse Collecting

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Fertilizer Dealers - including inorganic spreading - machine operate equipment 0050 6.29% Fiber Preparation - Wood 4239 5.66% Fiberglassing Shops - use Boat Building - Construction or Repairing 6834 8% Field Crops - use Farms - Field Crops 0171 8.91% Film Development Companies - use Photofinishing - all employees 4361 0.6% 30 Filter Pads for Air Coolers - Cloth-filled Excelsior 4239 5.66% Fire Alarm Line Construction - use Telephone, Telegraph or Fire Alarm Constr. 7601 4.63% 131 Fire Alarm Systems Installation, Service or Repair - within buildings - including 7605 3.46% storage and yard employees Fire Depts - Volunteer - use Municipal - Firemen Volunteer 7707 11.48% Fire Fighting - Aircraft - crew - use Aircraft Operation 7419 12.87% Fire Sprinkler Installation - use Automatic Sprinkler Installation 5188 4.6% 130 Fireworks Exhibits - use Amusement Parks & Exhibits 9180 6.95% 189 Fireworks Stands - use Store Risks - retail - N.O.C. 8017 0.49% 27 Fish Hatcheries - use Farms - Poultry Raise - Egg Production 0034 2.60% Fish Packers 2113 6.01% Fish Stores - retail - use Stores - Meat, Fish or Poultry - Retail 8031 3.2% 95 Fish Stores - wholesale - use Stores - Meat, Fish or Poultry - Wholesale 8021 3.76% 109 Fishing Clubs - use Clubs - Country - etc. 9060 1.55% 54 Fishing Rod - Wrapping 2532 2.23% Fishing Spinners and Spoons - Mfg. lures from copper or brass - use Hardware 3146 3.28% 97 Mfg. - N.O.C. Fishing Spinners - Stringing beads and spinners on wire 3383 0.86% 37 Five and Ten Cent Stores - use Stores - Five and Ten 8050 0.98% 40 Five and Ten Cent Store - Restaurant serving hot food - use Restaurants 9079 1.27% 47 Fix-it-shop - Electrical Appliances - use Machine Shop - Appliances or Equipment 3632 6.14% 169 Fixture Installation - Portable - Metal or Wood - use Furniture or Fixtures - 5146 2.44% 76 Installation Fixtures or Lamp Mfg. - metal - electric or gas 3180 6.54% Flagstone Quarries - use Quarries - N.O.C. 1624 8.67% 227

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Flint and Spar Grinding 1741 6.56% Flood Lighting - Portable Equipment - use Electrical Machinery or Auxiliary 3724 3.03% 91 Apparatus Floor Covering Dealers - retail - use Stores - Floor Covering Dealers - retail 8017 0.49% 27 Floor Covering Dealers - wholesale and retail - use Stores - Floor Covering 8018 1.44% 51 Dealers - Wholesale Floor Laying - Hardwood, Parquet, Wood Blocks - use Hardwood Floor Laying 5346 5.2% Floor Laying - Linoleum, Rubber Tile - use House Furniture - N.O.C. 9521 2.27% 72 Floor Laying Tile - Interior - use Tile, Stone, Mosaic or Terrazzo Work 5348 2.82% 86 Floor Polishing - Hand or Machine - use Buildings - Operations by Contractors 9014 1.92% 63 Florists - cultivating or gardening 0035 2.66% 82 Florists - Stores - including delivery - use Stores - Florists 8001 0.97% 39 Flower Mfg. - Artificial 2632 2.23% Flying Clubs - use Aircraft Operations - N.O.C. 7424 5.85% Food Distributors - Wholesale - use Store Risks - Wholesale & Retail - N.O.C. 8018 1.44% 51 Food Processing Plants Confections and Food Mfg. - N.O.C. 6504 2.38% 75 Canneries - Fish, or 2113 6.41% Canneries - N.O.C. or 2111 1.24% 46 Bakeries & Cracker Mfg. 2003 1.35% 49 Forging Works - Drop or Machine - including trimming, machining of parts and 3110 4.13% die melding operations Foundation Contractors - use Carpentry (formwork) 5645 5.36% 149 Concrete Construction - N.O.C. 5213 5.49% 152 Tilt up - cover work 5214 3.55% Dwellings 5200 4.31% Foundations, Philanthropic - use Clerical Office Employees 8810 0.17% 19 Salesmen, Collectors & Messengers (outside) 8742 0.36% 24 Foundries - Aluminum - use Foundries - Non-ferrous - N.O.C. 3085 10.58% Foundries - Non-ferrous - N.O.C. 3085 10.58% Foundries - Iron - N.O.C. 3081 4.23% 121 Foundries - Steel Castings 3082 9.23% Foundry Crucible Mfg. - use Brick or Clay Products Mfg. - N.O.C. 4041 9.07%

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Fountain Pen Mfg. 4432 3.68% Freight Handlers - packing, handling or shipping merchandise on docks or railroad 7360 6.53% 178 platforms (drivers, chauffeurs and their helpers shall be separately rated as 7219 - ATruckmen@) Fruits - citrus fruit packing and handling - including storage (The growing or 2108 7.22% harvesting of crops shall be separately rated.) Fruit - dried fruit packing and handling 2109 6.61% Fruit - fresh fruit packing and handling - including storage (The growing or 2107 6.69% harvesting of crops shall be separately rated.) Fruit Juices Mfg. 2111 1.24% 46 Fruit or Vegetable Evaporation or Dehydrating - growing or harvesting of crops 2012 5.73% shall be separately rated Fruit Preserving 2111 1.24% 46 Fuel and Material Dealers - N.O.C. - No second hand building materials or lumber 8232 3.85% Funeral Directors - all employees 9620 1.84% 61 Funeral Escort Service - use Automobiles, Bus, Livery or Taxicab Cos. 7382 2.51% 78 Furniture Assembling (other than metal) from manufacture parts - including 2881 1.51% 53 finishing Upholstery operations shall be separately rated as 9522, AFurniture - Upholstering@ Furniture Moving - including packing or handling household goods 8293 4.53% 128 The transportation of furniture under contract for a manufacturer or store: rate as 7219 - ATruckmen, N.O.C.@ Furniture or Cabinet Mfg. - Wood - including assembling or finishing 2883 3.23% 96 This classification shall include the fabrication of metal parts, if such operations account for less than 50% of the total payroll. Upholstery operations shall be separately rated as 9522, AFurniture - Upholstering@ Furniture or Fixtures - Installation - Portable - N.O.C. 5146 2.44% 76 This classification is not applicable to contractors who perform any other carpentry operations at the same job or location. Furniture Refinishing - use Painting, Shop 9501 1.08% 42 Furniture Sales - use Stores, Furniture 8015 3.63% Furniture - Upholstering 9522 0.75% 34 Galvanizing or Tinning - not electrolytic - N.P.D. 3373 5.23% 146 Garages - Automobile Repair - use Automobile - Automobile Truck Garages 8389 5.51% Garbage, Ashes, or Refuse Collecting 9403 6.29% 172

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Dump operations to be separately rated as 9424 - AGarbage, Ashes or Refuse Dump Operations@ Garbage, Ashes or Refuse Dump Operations - all employees 7590 6.22% 181 This classification includes gate attendants and cashiers who receive payments from customers Collections of garbage, ashes or refuse to be separately rated as 9403 - AGarbage, Ashes, or Refuse Collecting.@ Garbage Works - Incineration - use Garbage, Ashes or Refuse Collecting 9403 6.29% 172 Garden Supply Stores - use Stores - Garden Supply Stores - N.O.C. 0005 3.62% 106 Garden Vegetable Raising - use Farms - Truck Farms & Vineyards 0017 3.94% Gardening - Landscape - use Landscape Gardening 0042 3.27% 97 Gardeners - Private - Full time - use Domestics - Outservant 0912 12% 27 Gas, Compressed - Dealers & Distributors 4835 4.52% 128 Gas Fixtures Mfg. - use Furniture or Fixtures Installation - N.O.C. 3180 6.54% Gas Mains or Connections Construction - including tunneling at street crossings 6319 4.19% 120 (all other tunneling to be separately rated) This classification is not applicable to construction of pipe lines between natural gas producing fields and points of connection with local distributing systems. Gas or Oil Dealers 8350 2.36% 74 Gas Works - all operations - including construction or extension of lines 7500 1.65% 56 Payroll of meter readers not exposed to operate hazards shall be assigned to 8742 - ASalesmen, Collectors or Messengers.@ Gasoline or Oil Dealers - wholesale - including mixing or blending; drivers, 8350 2.36% 74 chauffeurs and their helpers Gasoline Recovery 4743 2.09% Gasoline Tank Installation Excavation 6217 10.5% 273 Plumbing 5183 2.74% 84 Concrete 5213 5.49% 152 Millwright, if pumps installed 3724 3.03% 91 Geophysical Exploration - including mapping of sub-surface areas; drivers, 8604 2.5% chauffeurs and their helpers Core drilling shall be assigned to 6204 - ADrilling - N.O.C.@ Gift Shops - use Stores - Risks - Retail - N.O.C. 8017 0.49% 27 Gland Trimming - use Stores - Meat, Fish or Poultry Dealers 8021 3.76% 109 Glass Block Structures - Erection - use Masonry - N.O.C. 5022 6.06% 167 Glass Merchants - including bending, grinding, beveling or silvering plate glass 4130 3.2% 95

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Glass Mfg. - cut 4111 2.98% Glass Mfg. - Plate, Sheet, Window 4103 1.56% Glass Sign Mfg. - use Glass Merchants 4130 3.2% 95 Glassware - Etching or Frosting - use Glass Merchants 4130 3.2% 95 Glassware - Hand Painting - Painting - Shop Only 9501 1.08% 42 Goat Raising - use Farms - Dairy Farms & Sheep Raising 0036 7.35% Gold Leaf Mfg. - use Jewelry Mfg. 3383 0.86 37 Gold Plating - use Electroplating - N.P.D. 3372 2.03% 66 Gold Refinishing 1438 14.04% Golf Clubs - use Clubs - Country, Golf, Swimming 9060 1.55% 54 Golf Club - Miniature - Operation - use Clubs - Country, Golf, etc. 9060 1.55% 54 Grading Land - N.O.C. - including borrowing, filling, or back-filling 6217 10.5% 273 (Mass rock excavation, grading or excavation in connection with street or road construction, pile driving, shaft sinking, caisson or cofferdam work to be separately rated) Grading of Parking Lots or Driveways - Off Street - use Grading Land - N.O.C. 6217 10.5% 273 Grading Streets or Road - use Street or Road Construction 5507 5.53% 153 Grain Dealers 8215 3.52% 103 Grain or Rice Milling 2014 5.14% 144 Grandstands - Temporary - Installation - not by a building contractor - use 9529 11.37% Scaffolds, Concrete or Cement Distributing Towers, etc. Grape Growing - use Farms - Vineyards 0040 3.33% Grapefruit Growing - use Farms - Orchards 0016 6.93% Graphite Works 1452 6.13% Gravel Digging 4000 8.35% 219 Grease or Oil Mixing - use Gasoline or Oil Dealers 8350 2.36% 74 Grease Rack Installation - use Millwright Work 3724 3.03% 91 Grinding Shops - use Machine Shops - N.O.C. 3632 6.14% 169 Grocery Stores - including Meat - use Stores - Meat, Groceries & Provision 8033 1.62% 56 Grocers - Wholesale - use Store Risks - Wholesale & Retail - N.O.C. 8018 1.44% 51

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Chauffeur (delivery) 7380 1.86% 62 Grocery Stores - No fresh meat - use Stores - Grocery - Retail - no fresh meat 8006 0.79% 35 Ground Schools - Aircraft - use Aircraft Operation - Ground School 7428 3.17% Guards - use Watchmen or Guards 7721 6.71% Guides or Pack Trains - use Stables 7207 5.35% 149 Gun shops -use Stores - Hardware - retail (sales) 8010 1.27% 47 Machine Mfg. - N.O.C. (repair) 3574 2.83% Guniting Contractors - use Concrete Construction - N.O.C. 5213 5.49% 152 NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Hair Goods - human 2532 2.23% Halls - Clubs (American Legion, Masons, Knights of Columbus, etc.) use 9061 1.3% 48 Clubs - N.O.C. Hardware Mfg. - N.O.C. 3146 3.28% 97 Hardware Stores - retail - use Stores - Hardware Stores - Retail 8010 1.27% 47 Hardwood Floor Laying - including finishing 5436 2.74% Hat Mfg. - cloth - use Clothing Mfg. 2501 0.46% 27 Hat Mfg. - Mfg. of plastic components to be separately rated 2501 0.46% 27 Hatcheries - Chicken - use Farms - Poultry Raising, Egg Production 0034 2.6% 80 Health Food Stores - use Store Risk - Retail - N.O.C. 8017 0.49% 27 Health Institutes - use Exercise or Health Inst. - N.O.C. 9053 1.30% 48 Hearing Aid Stores - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Heavy Equipment Operator 7219 4.92% 138 Heat Treating - Metal - N.P.D. 3146 3.28% 97 Heating and Ventilating Contractors - use Sheet Metal Work - N.O.C. 5538 4.93% 138 Helicopter Operation - use Aircraft Operation - Helicopter - N.O.C. 7425 19.31% Hemstitching, Pleating, Buttonholing - use Dressmaking or Tailoring 2503 0.33% 23 Hi-fi or Phonograph Cabinet Mfg. - use Cabinet Works 2883 3.23% 96 Hobby Shops - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Hog Feeders or Raising use Sheep Raising & Hog Farms 0034 2.60% 80

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Hollow Tile Construction - use Masonry - N.O.C. 5022 6.06% 167 Homes for Aged - all employees - N.P.D. with 8823 - 9070 5.23% AResidential Care Facilities for Children,@ 8804 - AAlcoholic and Drug Recovery Homes,@ or 8804 - ASocial Rehabilitation Facilities for Adults@ This classification shall be applicable to those firms providing community care facilities for residents who are ambulatory and where the facilities are non- medically oriented. When skilled nursing care is provided as an identifiable unit, such nursing care unit shall be assigned to code 8829 Homemaker Services 8827 5.11% Homeowners Assns - not bldg. operations 9066 5.21% This classification contemplates maintenance of grounds, operation of pools, tennis courts, saunas, gyms, recreational or clubhouses and security personnel functions. Rate separately operation such as golf courses, stables, restaurants, clinics, boat marinas, day nurseries, water works and fire departments. Horse Stables - use Stables 7207 5.35% 149 Horse Shows: (1) Stablemen 7207 5.35% 149 (2) Operation; care, custody and maintenance of premises; operation of elevators or heating, lighting or power apparatus - including policemen, watchmen, musicians, box office employees, ticket sellers, or gate attendants 9016 2.84% 86 Operation or maintenance of amusement devices restaurant or stores to be separately rated. Hospital Equipment Rental - use Store Risk - Retail - N.O.C. 8017 2.50% 27 Hospitals - all employees - including Clerical Office Salesmen 9043 2.73% In determining the premium charge for student nurses or interns, such premiums shall be computed on the basis of an average wage of at least $45 per week plus board and lodging. Hospitals - Veterinary 8831 2.66% 146 Hotels - all employees - 9050 5.67% The payroll of Afront desk@ employees, such as, but not limited to, cashiers or information and reservation clerks, shall be assigned to this classification. The payroll of employees engaged exclusively in connection with restaurant or tavern operations shall be rated as code 9079 - ARestaurants or Taverns@ House Furnishings - N.O.C. - Installation - Including Upholstering 9521 5.20% 72 House Moving or Raising - use Build, Raising or Moving 5703 17.75% 569 Household Appliance Dealers - Retail - use Stores; Store Risk - Retails - N.O.C. 8017 0.49% 27 Household Appliance Dealers - Wholesale or Wholesale and Retail Combined - 8018 1.44% 51 use Stores; Store Risks Wholesale - N.O.C. Household Appliances - Electrical - Installation, Service or Repair 9519 1.74% 59 This classification includes shop or outside employees, incidental parts department

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM employees, electrical wiring to be separately rated. Housekeeper - Private Residences - Full Time - use Domestic Inservants 0913 12% 27 Ice Cream Mfg. - Mixing - use Creameries & Dairy Products Mfg. 2063 4.61% Ice Dealers - natural or artificial ice, including taking ice from storage (icing or re- 8203 5.29% 147 icing of railroad cars to be separately rated) Ice Mfg. (Drivers, chauffeurs and their helpers to be separately rated under 8203 - 2150 8.21% 215 AIce Dealers@) Importers - Exporters - use Clerical Office Employees - N.O.C. 8810 0.17% 19 Salesmen, Collectors, Messengers 8742 0.36% 24 Incineration Garbage - use Garbage, Ashes, Refuse Collection 9403 6.29% 172 Insect Control - Spraying by Fill Guns - Handwork or Machine - use Buildings - 9014 1.92% 63 Operations by Contractors Inservants - Full time - use Domestic - Inservants 0913 12% 27 Inspection for Insurance or Valuation Purposes - N.O.C. including Salesmen, 8720 0.59% 30 Collectors, Messengers Installation of Furniture or Fixtures - Portable - Metal or Wood - use Furniture or 5146 2.44% 76 Fixtures - Installation - N.O.C. Instrument Dealers - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Instrument Mfg. - Professional or Scientific - N.O.C. 3681 1.65% 58 The repair of instruments away from shop shall be separately rated Instrument - Professional or Scientific - Installation, Service or Repair - away from 5128 3.94% shop - not office machines Insulation Work - installation or application of acoustical or thermal insulating 5479 3.2% 95 materials in buildings or within building walls - N.O.C. Insurance Adjusters - use Salesmen, Collectors or Messengers (outside) 8742 0.36% 24 Intercom System Installation inside buildings - use Electrical Wiring 5190 2.93% 83 Interior Decorating - use Painting, Decorating or Paper Hanging - N.O.C. 5474 4.07% 117 Investment Companies - use Clerical Office Employees (inside) N.O.C. 8810 0.17% 19 Salesmen, Collectors, Messengers (outside) 8742 0.36% 24 Iron or Steel Erection - N.O.C. 81114 5102 3.63% 106 Iron or Steel Merchants - not junk dealers or iron or steel scrap dealers 8106 4.60% 132 Iron or Steel Scrap Dealers - see Salvage Material Dealers 8265 15.92% 406

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Iron or Steel Works - Shop - Fabricating or Assembling Structural Iron or Steel - 3030 6.96% 189 N.P.D. with 3040 - AIron or Steel Works@ (casting of steel or rolling mills to be separately rated) Iron, Steel, Brass, Bronze or Aluminum Erection - Non-structural - within 5102 3.63% 106 buildings This classification includes all the following and similar metal features of construction within buildings, railing, bank cages and similar grille work, metal wall paneling, and movable steel partitions (staircases to be separately rated.) Iron Works - Shop - fabricating, assembling or manufacturing ornamental brass, 3040 12.8% 330 bronze or iron work; railings, balconies; fire escapes; staircases; iron shutters or other non-structural iron or steel work - N.P.D. with 3030 - AIron or Steel Works@ (Casting of steel or rolling mills to be separately rated) Irrigation, Drainage or Reclamation Works Operation - all work incidental to 0251 2.34% 74 maintenance and operation of irrigation, drainage or reclamation districts; N.P.D. with AFarms.@ (Additions to, alterations, or construction of irrigation or drainage systems, pile driving, dredging, tunneling, dam or sewer construction to be separately rated.) Irrigation Pipe Installation - agricultural - all operations 6364 8.32% Irrigation Systems Construction - open channel - use Canal, Construction 6361 8.13% Jail Cell - Iron Work Installation - use Boiler Installation - Repair or Setting 3726 17.23% 441 Janitorial Services - use Bldg. - Operation by Contractors 9014 1.92% 63 This classification includes incidental maintenance operations performed in connection with the janitorial services. This classification is not applicable at a location where the employer provides property management services. Jetty or Breakwater Construction - all operations to completion 6361 8.13% (Caissons, cofferdam work, pile driving and quarries to be separately rated Jet Ski Operations 9180 6.95% 189 Jewelry Stores - Wholesale or Retail Stores - use Jewelry Wholesale - Retail 8013 0.83% 23 Judo Schools - use Athletic Teams or Parks 9181 6.46% Juice - Citrus Mfg. 2111 1.24% 46 Junk Dealers - use Salvage - Junk Dealers - N.O.C. 8265 15.92% 406 Junk Yard - Auto - use Automobile or Automobile Truck Dismantling 3821 11.64% 301 Kennelmen 8831 5.23% 146 Kitchen Exhaust Ducts - Cleaning - use Buildings - Operations by Contractors 9014 1.92% 63 Kitchen Vent Installation - use Millwright Work 3724 3.03% 91 Labor Unions - employees engaged outside of office - including Salesmen, 8765 0.89% 37

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Collectors, or Messengers Laboratories - Medical - use Physicians or Dentists 8834 0.68% Laboratories - Research - use Analytical or Testing Lab 4511 1.45% 54 Land Leveling - grading farm lands 5217 10.5% 273 Landscape Gardening - all operations - including maintenance of gardens 0042 3.27% 97 The excavating, transporting and transplanting of mature trees shall be rated as 7219 ATruckmen@ Laundries - N.O.C. - all employees - including cash and carry departments on plant 2585 2.57% 79 premises Laundromats - coin operated - self services - use Store - Risks - Retail - N.O.C. 8017 0.49% 27 Laundry Equipment Dealers - use Machinery Dealers - N.O.C. 8017 0.49% 27 Laundry Pick up Station - Store Risks - Retail - N.O.C. 8017 0.49% 27 Laundry Pick up Station with minor repairs - use Laundries - N.O.C. 2585 2.57% 79 Lawn Mower Sharpening - use Machine Shops - N.O.C. 3632 6.14% 169 Lead Burning - use Welding or Cutting 3365 9.37% 244 Leaders - Fishing - Silk Mfg. 2222 1.47% 52 Leasing Cos. - other than auto - use Contractors Permanent Yards 8227 1.95% 64 Store Risks - Retail - N.O.C. (sales) 8017 0.49% 27 Leather Embossing - use Tanning 2623 8.70% Leather Goods Stores - use Store Risks - Retail Lemon Growing - use Farms - Orchards 0016 6.93% Lens Mfg. - ground and polished lenses 4150 1.41% 50 Libraries (1) Librarians or Professional Assistants - including Clerical Office Employees 8810 0.17% 19 (2) All other employees 9015 3.11% 93 Lighting Fixture Dealers - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Store Risks - Wholesale & Retail 8018 1.44% 51 Electrical Wiring (Installation) 5190 2.93% 88 Lightweight Aggregate Building or Insulation Materials (such as perlite, pozzolan 1701 3.25% 96 or expanded shale) Mfg. - use Cement Mfg. Lime Mfg. - use Cement Mfg. 1701 3.25% 96 Limestone Quarries - use Quarries - Cement, Rock 1624 8.67% 227

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Linen Supply Service - use Laundries 2585 2.57% 79 Laundries - Route Supervisor 2585 2.57% 79 Linoleum Dealers -use Stores - Floor Covering Dealers - Retail 8017 0.49% 27 Linoleum Laying - use House Furnishings - N.O.C. 9521 2.27% 72 Linotype or Hand Composition - N.P.D. 4308 0.41% 25 Liquidators Store Risks - Retail - N.O.C. Disposing of merchandise through store outlet 8017 0.49% 27 Auctioneers (not livestock) 8090 1.43% 51 Liquor Distributors - use Store Risks - Wholesale or Retail, or 8018 1.44% 51 Wine or Spirit Merchants or Beer or Ale Dealers 7392 6.68% Liquor Stores - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Chauffeurs (Delivery) 7380 1.86% 62 Lithographing - use Printing 4299 1.95% 64 Loan Companies - use Clerical (inside) employees - N.O.C. 8810 0.17% 19 Salesmen (outside), Collectors, Messengers 8742 0.36% 24 Locksmithing - use Stores - Hardware - Retail 8010 1.27% 47 Lodges - use Hotels 9050 5.57% Luggage Stores - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Machinery and Equipment Dealers - Second-hand - use Salvage - Machinery & 8267 12.69% Equipment Dealers Machinery Dealers - N.O.C. - including demonstration and repair (installation and 8107 4.19% 120 repair operations away from premises of assured to be separately rated) Display and parts departments physically separated from repair shop and selling parts commercially shall be assigned to 8017 - AHardware Stores@ Second-hand machinery dealers shall be assigned 8267 - AMachinery and Equipment Dealers - Second-hand@ Machine Shop - N.O.C. 3632 6.14% 169 Machinery Rental Yards - use Contractor=s Permanent Yards 8227 1.95% 64 Magazine Distributors - not Retail - use New Agents or Distributors 8745 2.05% 66 Mail Delivery Cos. - use Parcel Delivery Cos. 7198 4.82% Mailing or Addressing Companies - including Clerical Office Employees - N.P.D. 8800 0.39% 25 Manual Training or Job Corps Schools 9015 3.11% 93

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Marine Appraisers or Surveyors 7248 2.29% Marine Supply Stores - use Stores - Hardware - Retail 8010 1.27% 47 Masonry - N.O.C. 5022 6.06% 167 This classification cannot be used for masonry work in connection with classification 6306 - ASewer Construction.@ Massage Parlors - use Baths - N.O.C. 9053 1.3% 48 Meat Dealers - Wholesale - use Stores - Meat, Fish, Poultry 8021 3.76% 109 Meat Grocery and Provision Stores - use Stores - Meat, Grocery or Provisions 8033 1.62% 56 Meat Stores - Retail - use Stores - Meat, Fish or Poultry 8031 3.2% 95 Mechanical Engineers - Consulting - use Engineers 8061 0.60% Medical Equipment and Supply Dealers - use Store Risks - Retail Employees - N.O.C. or 8017 0.49% 27 Store Risks - Wholesale & Retail 8018 1.44% 51 Men=s Clothing Stores - use Stores - Clothing, Wearing Apparel 8008 0.60% 30 Messengers - Outside - No Delivery - use Salesmen, Collectors or Messengers 8742 0.36% 24 Metal Awning Installation - use Iron, Steel, Brass, Bronze or Aluminum 5102 3.63% 106 Metal Ceilings Installation - use Sheet Metal Work - N.O.C. 5538 4.93% 138 Metal Loading Platform Erection 5057 21.33% 153 Metal Scrap Dealers - Iron or Steel - use Salvage Material Dealers 8265 15.92% 408 Metal Scrap Dealers - Non-ferrous - use Salvage Material Dealers 8500 7.12% 193 Metal Tank Erection - not elevated 5057 21.33% 533 Metal Wall Paneling Erection within Buildings - use Iron, Steel, Brass, Bronze or 5102 3.63% 106 Aluminum Millwright Work - N.O.C. - Erection or Repair of Machinery or Equipment 3724 3.03% 91 This classification is not available for division of payroll of employees of insured engaged in millwright work on the premises both occupied and operated by the insured. Such payroll shall be included in the governing classification. Mimeographing Service - use Printing 4299 1.95% 64 Miniature Golf Course - Operation - use Clubs - N.O.C. 9050 1.55% 54 Mobile Crane and Hoisting Service Contractors - N.O.C. - all operations - 7219 4.92% 138 including yard employees This classification shall apply to hoisting or lifting operations requiring the use of mobile hoisting equipment, block and fall, jacks, shoring timbers, rollers, ropes and cables including transportation of such equipment to and from work sites.

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Monument & Headstone Erection - use Masonry - N.O.C. 5022 6.06% 167 Monument or Headstone Mfg. - use Stone Cutting or Polishing - N.O.C. 1803 3.4% 100 Mortgage Cos. - use Clerical Office Employees (inside) N.O.C. 8810 0.17% 19 Salesmen (outside), Collectors, Messengers 8742 0.36% 24 Inspection for Insurance 8720 0.59% 30 Mosaic Work - Interior Construction Only - use Tile, Stone, Mosaic Work 5348 2.82% 86 Motels - all employees including Clerical Office Employees 9050 5.87% The payroll of employees engaged exclusively in connection with restaurant or tavern operations shall be rated as code 9079 ARestaurants or Taverns.@ Exception: If the work of clerical employees pertains to both operations, their payroll shall be assigned to that classification with the larger payroll. Motion Pictures (1) Production - in studios and outside - all operations up to the development of 9610 4.56% 129 negatives The actual remuneration of production directors, players or entertainers or musicians must be included, subject, however, to a maximum of $100.00 per week per person. (2) Development of negatives, printing and all subsequent operations except the 4360 0.89% 37 marketing of the product through film exchanges at locations other than the studio. (3) Film Exchanges - not located at motion picture studio, including projection rooms; Clerical Office Employees. 4362 0.72% 30 Motion Picture Projector and Camera Repair - use Instrument Mfg. - N.O.C. 3681 1.65% 56 Motorcycle Dealers - all operations, including accessory or spare parts sales, 8400 3.62% Salesmen Motorcycle, Motorscooter Dealers (or Rentals) - use Automobile or Auto Truck Dealers Clerical Office Employees - N.O.C. 8810 0.17% 19 Automobile Salesmen 8748 0.57% 29 Automobile - all others 8391 2.35% 74 Municipal, Township or County Employees: (1) Clerical Office Employees - N.O.C. 8810 0.17% 19 (2) County Road Districts or Departments - all operations, including shop, yard and 9422 3.71% store employees engaged in the maintenance, repair and storage of equipment and supplies (tunneling, subway construction, grade separation work, bridge construction, or pile driving to be separately rated) (3) County Superintendent of Schools Office - all employees including Clerical 8875 1.47% Office Employees (4) Curators, or Professional Assistants, including Clerical Office Employees 8838 0.17% 19 (5) Firemen - not Volunteers, including all employees of Fire Department 7706 8.71% (6) Firemen - Volunteers, serving with our without remuneration, subject to per 7707 11.48% capita charge. (7) Institutional Employees - Hospitals, sanitariums, rest home for the aged - all 9043 2.73% employees, including Clerical Office Employees, Salesmen, not Jail or Prison Employees.

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM In determining the premium charge for student nurses or interns, such premiums shall be computed on the basis of an average wage of at least $45 per week plus board and lodging. (8) Librarians or Professional Assistants, including Clerical Office Employees 8810 0.17% 19 (9) Municipal or County Employees not engaged in manual labor, clerical office 9410 2.46% duties, nor in immediate charge of construction or erection work This classification includes employees engaged in laboratory work, inspectors of the Board of Health, electrical inspectors, building inspectors, meter readers, engineers not engaged in actual construction or operation, salesmen, and similar occupations. (10) All other Municipal or County Employees - N.O.C., including laborers, 9420 9.82% workmen, mechanics, storekeepers, and utility employees (new construction work or electric light or power department operations to be separately rated) (11) Policemen, sheriffs, constables, marshals, pound keepers, game and fish 7720 2.38% 75 wardens and jailers, including deputies, volunteers. (12) Policemen, sheriffs, constables, marshals, pound keepers, game and fish 7722 14.09% wardens and jailers, including deputies, volunteers, serving with our without remuneration, subject to a per capita charge. The minimum remunerations provision contained in the general rule of the manual applicable to executive officers of a corporation shall not apply to this classification. (13) Public Colleges or Schools - All Employees, including Cafeteria and Clerical 8875 1.47% Office Employees, Messengers. Museum (1) Curators or Professional Assistants, including Clerical Office Employees 8838 0.17% 19 (2) All Other Employees, including Taxidermists 9015 3.11% 93 Neon Sign Installation - use Sign Erection or Repair 9552 7.28% 197 Neon Signs - Mfg. - Metal Backgrounds - use Sheet Metal Products Mfg. - N.O.C. 3056 3.16% 94 Neon Tube - Banding and Charging 4112 1.04% 41 Nets, Slings, Rope Ladders, etc., Assembling for Rigging 8227 1.95% 64 News Agents or Distributors of Magazines or Other Periodicals - not retail dealers 8745 2.05% 66

• including Salesmen (Sale or delivery papers to customers for their personal use - and not for resale - rate separately) Newsboys using Motor Vehicles - use Chauffeurs, Drivers and their Helpers 7380 1.86% 62 Newspaper Distributors - not retail - use News Agents or Distributors (or 8745 2.05% 66 Newspaper Delivery 4312) Newspaper Delivery 4312 2.83% This classification applicable to persons delivering papers to customers for their personal use - not for resale Use actual pay, but not less than $2.00/person/day/each day newspapers delivered. Newspaper Publishing: (1) Editing, Designing, Proofreading, and Photographic Composing including 8807 0.67% Clerical Office Employees, Drivers, Chauffeurs and their helpers shall be

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM separately rated 4304 ANewspaper Publishing.@ (2) Reporters, Advertising or Circular Solicitors All 8742 0.36% 24 (3) All other Employees - including miscellaneous employees 4304 1.95% 64 News Stands - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Night Clubs - use Restaurants 9079 1.27% 49 Night Watchmen - use Watchmen 7721 6.71% Novelty Stores - Store Risk - Retail - N.O.C. 8017 0.49% 27 Nurse - Private - Full-time - use Domestics - Inservants 0913 12% 27 Nursery - Day - see Colleges or Schools 9101 2.52% 78 Nursing Homes - all employees 8829 1.73% 58 Nut Growing - use Farms - Orchards 0016 6.93% Nuts - Shelling 6504 2.38% 75 Occupational Therapists - use Physicians or Dentists 8834 0.68% Oculists - use Physicians or Dentists 8834 0.68% Office Building - use Buildings - N.O.C. 9015 3.11% 93 Office Equipment Dealers - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Stores - Furniture - Wholesale - Retail 8015 3.63% Office Machine Installation, Inspection, Adjustment or Repair - N.O.C. - shop and 5191 0.82% 36 outside (manufacturing to be separately rated) Oil Burner - Installation - use Plumbing - N.O.C. 5183 2.74% 84 Oil Distributors - use Gasoline or Oil Dealers 8350 2.36% 74 Oil Filters - Installation on Machinery - use Millwright Work - N.O.C. 3724 3.03% 91 Optical Goods Dealers - use Stores - Jewelry 8013 0.32% 23 Opticians - use Stores; Jewelry 8013 0.93% 23 Optometrists - use Physicians or Dentists 8834 0.68% Orchards - Growing - use Farms - Orchards 0016 6.93% Orthopedic Equipment Stores - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Orthopedic Equipment Mfg. - use Machine Shops - N.O.C. 3632 6.14% 169 Outboard Motor Repair - use Machine Shops - N.O.C. 3632 6.14% 169 Outdoor Advertising Cos. - use Advertising Companies - outdoor 9549 4.79%

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Outservants - including Private Chauffeurs - use Domestics 0912 12% 27 Outside Salesmen - use Salesmen, Collectors, Messengers 8742 0.36% 24 Oxygen or Hydrogen Refilling including tank charging 4635 4.52% 128 Packing and Crating Cos. - use Stores - Wholesale & Retail 8018 1.44% 51 Warehouses - General Merchandise 8292 2.93% 88 Paint Stores - use Stores, Retail 8017 0.49% 27 Painting - automobile bodies - including incidental sending - N.P.D. with 3808 - 9505 1.06% 42 AAutomobile or Motorcycle Assembling,@ 3815 - AAutomobile Truck or Automobile Truck Trailer Mfg. or Assembling,@ 3815 - Automobile Body Mfg.,@ 2797 - AAutomobile Body Mfg.,@ 2797 - Mobile Home Mfg.,@ or 2797 - ARecreational Vehicle Mfg.@ (Body and fender repairing shall be separately rated) This classification shall apply only to a physically separated department engaged exclusively in painting operations with no interchange of employees. Painting Cloth 2417 2.3% 73 Painting, Decorating or Paper Hanging - N.O.C. - including shop operations 5474 4.07% 117 (Painting steel structures or bridges to be separately rated) Painting Glassware by Hand - use Painting - shop only 9501 1.08% 42 Painting, Shop Only - N.P.D. in manufacturing plants or with 5474 APaint 9501 1.08% 42 Decorating or Paper Hanging@ Painting - Steel Structures or Bridges (painting of oil or gasoline storage tanks to 5040 18.04% 461 be separately rated) Paper Box Mfg. - Folding - use Box Mfg. - Folding - N.O.C. 4243 3.61% 105 Paper Box Mfg. - Solid - use Box Mfg. - Solid Paper Box 4240 1.89% 62 Paperhanging - use Painting - Decorating or Paperhanging 5474 4.07% 117 Parachute Jumping - use Aircraft Operations - Stunt, Race or Parachute Jumping 7419 12.87% Parcel Delivery Companies - no bulk merchandise or freight 7198 4.82% This classification shall not be assigned if 10% or more of the individual packages delivered weight over 100 lbs., or if the combined weight of all items delivered at any one stop exceeds 200 lbs for 10% or more of all deliveries Pari-Mutual Employees - Race Tracks - use Theaters 9154 0.51% 28 Parking Lots - Automobile - use Automobile or Automobile Truck Storage 8392 2.14% 69 Parking Meters - Collection or Coins - use Vending or Coin Operations 5192 1.28% 47 Parking Meters - Installation - use Fence Construction 6400 5.04% 141 Parquet Floor - Installation - use Hardwood Floor Laying 5436 7.77% Patrolmen or guards in connection with industrial plants, water works, etc. 7721 6.71%

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Paving - use Street or Road Construction 5506 5.47% 152 Paving - Parking Lots or Driveways - Off-street - use Street or Road Construction 5506 5.47% 152 Pest Control - All Operations - Including Yard Employees; Salesmen, Estimators 9031 4.34% 27 (Termite control and the spraying of orchards and farm crops to be separately rated) This classification applies to operations involved in the control and extermination of pests by the use of pesticides, rodenticides and fumigants. Pet Shops - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Petroleum Operations - N.O.C. 6214 10.96% Phonograph Record Shops - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Photo Engraving - N.P.D. 4351 0.27% 22 Photo Finishing - All Employees - N.P.D. with 4360 AMotion Pictures - 4361 0.6% 30 Development of Negatives@ Photographers - All employees 4361 0.6% 30 Photo Typesetting - All Operations, including Clerical Office Employees - N.P.D. 4297 0.77% This classification shall apply to specialty typesetting firms producing cold copy type or reproduction proofs by photographic methods including all incidental camera work. Physical Culture Studios - use Exercise or Health Institutes 9053 1.3% 48 Physical Therapists - use Physicians and Dentists (in office) 8834 0.68% Hospitals and Public Health (in hospital) 9043 2.73% Physicians - All employees, including Clerical Office Employees - N.P.D. 8834 0.68% Piano Stores - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Piano Tuning - use Office Machines 5191 0.82% 36 Pickle Mfg. 2106 8.29% Picture Frame Assembly - use Furniture Assembling 2881 1.51% 53 Picture Frame Shops - use Store Risks - Retail - N.O.C. 8017 0.49% Furniture Assembly 2881 1.51% Pile Driving 6003 12.51% 323 Pipe, Irrigation - Installation - use Irrigation Pipe Installation 6364 8.32% Pipe Line Construction - Cross Country - Water - use Cross Country Water Pipe 6361 8.13% Line

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Pizza Parlors - use Restaurants 9079 1.27% 47 Plaster Statuary or Ornament Mfg. 4038 1.47% 25 Plastering or Stucco Work 5480 3.2% 95 Platform (loading) Metal - Erection - use Iron or Steel Erection - N.O.C. 5057 21.33% 53 Players, Entertainers, Musicians - use Theaters - Players, Entertainers, Musicians 9156 0.31% 23 Restaurants or Taverns 9079 1.27% 47 Radio or Television - all other employees 7610 0.24% 21 Playgrounds - use Amusement Parks or Exhibitions 9016 2.84% 86 Amusement Parks or Operation & Maintenance 9180 6.95% 189 Plumbers= Supplies Dealers - Wholesale or Retail - Gas, Steam or Hot Water 8111 3.33% 98 Equipment - no manufacturing Plumbing - N.O.C. - Shop and Outside - Gas, Steam, Hot Water or Other Pipe 5183 2.74% 84 Fittings Installation, including house connections installation - (Automatic sprinkler installation to be separately rated.) Policemen - see under Municipal Employees 7720 2.38% 75 Polishing Metal - use Buffing or Polishing of Metal - N.O.C. 3372 2.03% 66 Pool Halls - use Billiard Halls 9089 0.51% 28 Porcelain Lining - use Painting, Decorating or Paperhanging - N.O.C. 5474 4.07% 117 Portable Toilet Cos. (Mfg. & Distribution) - use Carpentry Shop (Mfg.) shop only 2883 3.23% 96 Contractors Permanent Yards (Rental Distribution) 8227 1.95% 64 Chauffeurs (Delivery) 7380 1.86% 62 Street or Sewer (Pumping out) 9014 1.92% 63 Poultry Farms - use Farms, Poultry Raising, Egg Production 0034 2.60% 80 Poultry Supply Stores - Retail Stores - use Poultry Supply - Retail 8117 7.35% Power Companies 7539 2.28% 72 Power Line Construction 7538 17.50% 448 Precious Stone Cutting - use Jewelry Mfg. 3383 0.86% 37 Prefabricated Building Contractors (Metal/Wood) - use Contractors Schedule 2883 3.23% 96 Printing Operation: Editing, Designing, Proofreading & Photographic Composing - including Clerical 8807 0.67% Office Employees Salesmen, Collectors or Messengers - outside 8742 0.36% 24 All Other Employees - including miscellaneous employees 4299 1.95% 64 Drivers, Chauffeurs and their Helpers shall be separately rated as 4299, APrinting.@

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Private Detective Agency - use Detective or Patrol Agency 7721 6.71% Process Servers - use Salesmen, Collectors, Messengers 8742 0.36% 24 Produce Dealers - Buying, packing or otherwise preparing general produce for 8209 2.3% 73 shipment or transportation - using stores or buildings temporarily - not caring for produce during transit (growing or harvesting of crops to be separately rated) Classification 8018 AStore Risks - Wholesale - N.O.C.@ is assignable for any city wholesale plant of the dealer where such produce is stored and sold to retailers and institutional buyers. Produce Dealers - Wholesale or Institution Selling - City - use Stores - Risks - 8018 1.44% 51 Wholesale - N.O.C. Property Management Cos. - use Clerical Office Employees - N.O.C. 8810 0.17% 19 Buildings - N.O.C. 9015 3.11% 93 Prosthetic Device - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Provision Stores - Grocery and Meat - use Stores - Meat, Grocery and Provisions 8033 1.62% 56 Pruning Orchards - use Farms - Orchards 0104 6.1% Public Address Systems - Drivers of Sound Trucks - use Chauffeurs, Drivers and 7380 1.85% 52 their Helpers - N.O.C. Public Health Nursing Associations - all employees 8827 5.11% Publishers - use Newspaper Publishing Editors, Composers, Clerical 8807 0.67% Sales, Advertising, including Reporters 8742 0.36% 24 All other employees 4304 1.95% 64 Printing Operations (not newspaper) Editors, Composers, Clerical 8807 0.67% Sales, Collectors, Messengers 8742 0.36% 24 All other employees 4299 1.95% 64 Pump Dealers - use Machinery Dealers - N.O.C. 8107 4.19% 120 Millwright Work (Installation) N.O.C. 3724 3.03% 91 Pump Installation - use Millwright Work - N.O.C. 3724 3.03% 91 Pushcart Operation - Vending - use Vending Concessionaires 9079 1.27% 47 Quarries, including all employees engaged in the construction, repair and 1624 8.67% 227 maintenance of all buildings, structures or equipment and installation of machinery Crushing operations to be separately rated. Hauling of materials from the quarry to a stone crusher operated by the quarry shall be assigned to the quarry classification. Rabbit Raising - use Farms - Poultry, Egg Hatcheries 0034 2.60% 80

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Race Track - Auto - use Amusement Parks - Care, custody 9016 2.84% 86 Amusement Parks - Operation & Maintenance 9180 6.95% 189 Race Track - Pari-Mutual Employees - use Theaters - all other employees 9154 0.51% 28 Racing Stables 8631 18.55% Radiator Repair - Auto - use Automobile or Automobile Truck Repair 8389 5.51% Radio & TV Dealers - Retail - use Stores - Risks - Retail - N.O.C. 8017 0.49% 27 Radio Dealers - Wholesale or Wholesale and Retail Combined - use Stores - Risks 8018 1.44% 57

• Wholesale - N.O.C. Radio, Television or Commercial Broadcasting Stations - all employees - including 7610 0.24% 21 Clerical Office Employees. Salesmen (motion picture production to be separated) The actual remuneration of players, entertainers or musicians must be used unless the amount exceeds $100perweek,inwhichevent$100 shall be used as representing the actual weekly remuneration of each player, entertainer, or musician Radio or Television Receiving Set Installation, Service or Repair 9519 1.74% 59 This classification includes shop or outside employees, incidental parts department employees, erection of antennas. Electrical wiring or lower erection to be separated. Radio Tower Erection 5040 18.04% 461 Rag Dealers - including all laundry operations - use Salvage - Paper Stock or Rag 8264 5.14% 144 Dealers Railings - Metal Erection within Buildings - use Iron or Steel, Brass, Bronze 6102 3.63% 106 Erection Railings - Metal - Erection - use Iron or Steel Erection - N.O.C. 5057 21.33% 53 Rattan or Willow Ware Mfg. - use Furniture Assembly 2881 1.51% 53 Ready Mix Concrete - Preparation and Delivery - use Building Material Dealers 8232 3.85% 111 Real Estate Agencies - employees engaged outside of office - including Salesmen 8741 0.47% (care, custody and maintenance or construction work to be separated) Real Estate Developers (no construction) - use Real Estate Agencies 8741 1.47% Re-capping or Retreading - Rubber Tires 4420 2.33% 73 Reclaiming Pipe 8204 4.58% 130 Recreation Camps - use Camps - Recreational, Educational 9048 7.63% Rectifying Wine - use Stores - Wine or Spirit Merchants 8041 6.68%

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Reducing Salons - use Exercise or Health Institutes 9053 11.3% 48 Refactory Products - use Brick or Clay Mfg. 4041 9.07% Refreshment Stands - use Store Risks - Retail - N.O.C. (no hot food) 8017 0.49% 27 Restaurants (hot food) 9079 1.27% 47 Refrigeration - construction of wooden walk - in type boxes on customers= 5403 16.44% 421 premises - use Carpentry - N.O.C. Refrigeration - Display Cases - Installation of cases not containing refrigeration, 5146 2.44% 76 compressor or motor - use Furniture of Fixtures - N.O.C. Refrigeration - Display Cases - Installation of cases with self-contained compressor 5183 2.74% 84 unit - use Refrigeration Equipment - N.O.C. Refrigeration - Domestic Type - Installation - use Household Appliances 9519 1.74% 59 Refrigeration Equipment - N.O.C. - not household units - installation, service, and 5183 2.74% 84 repair - shop and outside Delivery and connection of household refrigerators on purchaser=s premises shall be rated as 9519 - AHousehold Appliances@ Reinforcing Steel Installation - placing for concrete construction (reinforcing steel 5225 6.1% installation in connection with the construction of canal, irrigation or drainage systems; cross-country water pipe lines; sewers; tunnels; caissons and dams shall be assigned to the classification describing the construction with which such reinforcing steel installation is connect) Religious Articles Stores - use Store - Risks - Retail - N.O.C. 8017 0.49% 27 Rendering or Fertilizer Works 4665 3.88% 112 Rental Cos. - (hospital equip, party goods, etc.) - use Stores - Retail - N.O.C. 8017 0.49% 27 Rental Yard - Contractor=s Equipment - use Contractors Permanent Yards 8227 1.95% 64 Residential Care Facilities for Adults - all employees - N.P.D. with 8823 - 9070 5.23% AResidential Care Facilities for Children,@ 8804 - AAlcoholic and Drug Recovery Homes,@ or 8804 - ASocial Rehabilitation Facilities for Adults@ This classification shall be applicable to those firms providing community care facilities for residents who are ambulatory and where the facilities are non- medically oriented. When skilled nursing care is provided as an identifiable unit, such nursing care unit shall be assigned to code 8629 Residential Care Facilities for Children - all employees - N.P.D. with 9070 - 8823 2.35% 26 AHomes for Aged,@ 9070 - ACommunity Care Facilities for Adults,@ 9070 - AResidential Care Facilities for Adults,@ 8804 - Alcoholic and Drug Recovery Homes,@ or 8804 - ASocial Rehabilitation Facilities for Adults@ This classification is applicable to non-medical residential care facilities for children who are neglected, delinquent, or emotionally disturbed or for children or adults who are developmentally disabled.

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Resorts - use Hotels 9050 5.67% Restaurant 9079 1.27% 47 Restaurants - N.P.D. 9079 1.27% 47 Restaurant Supplies Dealers - use Store Risks - Wholesale - N.O.C. 9079 1.27% 47 Rest Homes - all employees 8829 1.73% 58 Retail Stores - N.O.C. - use Stores - Risks - Retail 8017 0.49% 27 Rifle Ranges - use Shooting Clubs 9180 6.95% 189 Rifle Teams - Company Sponsored - use Athletic Teams or Parks 9191 10.54% Riggers - use Mobile Crane & Hoisting Service - N.O.C. 7219 4.92% 138 Road Construction - Grading - use Street or Road Construction 5507 5.53% 153 Road Construction - Paving - use Street or Road Construction - Paving 5506 5.47% 152 Road Oiling - use Street or Road Construction - Paving 5506 5.47% 152 Roadside Stands (Vegetable & Fruit Stores) - use Fruit or Vegetable Stores 8006 0.79% 35 Rock Excavation/Rock Quarries 1624 8.67% 227 Rock Yards (Dealers) - use Bldg. Material Dealers - Commercial 8232 3.85% 111 Roller Skating Rinks 9016 2.84% 86 Roofing - all kinds - including yard employees 5551 16.28% 417 Roofing Material Dealers - use Building Material Dealers - Commercial or 8232 3.85% 111 Building Material Dealers - Second-hand 8204 4.58% 130 Roofing Material - use Building or Roofing Paper - felt 8232 3.85% 111 Asphalt or Tar Distilling 4740 4.47% 127 Tile or Earthenware Mfg. - N.O.C. (Roof Tile) 4041 9.07% Sawmills or Shingle Mills (Shingles) 2710 8.16% 214 Rooming Houses - use Hotels 9050 5.67% Rubber Tire Dealers - Wholesale or Retail or Combined Wholesale and Retail - 8387 2.62% 81 including repairing, adjustment of tires to vehicles away from the premises of the insured, accessories and spare parts departments - N.P.D. with 8391 - AAutomobile or Automobile Truck Drivers,@ 8389 - AAutomobile or Automobile Truck Repair Shops or Garages,@ and 8392 AAutomobile or Automobile Truck Storage Garages or Parking Stations or Lots@ This classification includes cashiers who receive payments from customers. Recapping or retreading of tires to be separately rated. Rubber Tire Recapping or Retreading 4420 3.23% 73

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Sales or service operations to be separately rated. Rubbish Dump Operators - use Garbage, Ashes, or Refuse Dump Operator 9424 6.08% Rug Cleaning - Shop or outside - use Carpet, Rug or Upholstery Cleaning 2585 2.57% 79 Rug Dealers - Retail - use Stores - Floor Covering Dealers - Retail 8017 0.49% 27 Rug Dealers - Wholesale - use Stores - Floor Covering Dealers - Wholesale 8018 1.44% 51 Rug Installation - use House Furniture - N.O.C. 9521 2.27% 72 Rust Proofing - Acid Bath - use Electroplating 3372 2.03% 66 Rust Proofing - Galvanizing or Hot Bath - use Galvanizing or Tinning 3373 5.23% 146 Sail Making 2576 1.57% 54 Salesmen, Collectors or Messengers - Outside 8742 0.36% 24 The use of this classification is subject to the provisions of the manual rules for standard exceptions - see general rules Salvage Material Dealers: (1) Bottle Dealers - Second-hand (All handling of metal to be separately rated) 8264 5.14% 144 (2) Iron or Steel Scrap Dealers (Wrecking or salvaging to be separately rated) 8265 15.92% 408 (3) Junk Dealers - N.O.C. - N.P.D. (Wrecking or salvaging to be separately rated) 8265 15.92% 408 This classification is applicable to those risks engaged in collecting and handling a miscellaneous line of second-hand materials such as bottles, rages, paper, rubber and in addition, ferrous or non-ferrous scrap metals. (4) Metal Scrap Dealers - Collection, sorting and reduction of non-ferrous scrap 8500 7.14% 193 metal (Handling of iron or steel scrap to be separately rated) (5) Paper Stock or Rag Dealers, including all laundry operations (All handling of 8264 5.14% 144 metal to be separately rated) (6) Rubber Stock Dealers - Second-hand (All handling of metal to be separately 8264 5.14% 144 rated) Sand and Gravel Dealers - use Sand and Gravel Digging 4000 8.35% 219 Building Material Dealers - Commercial 8232 3.85% 111 Sand or Gravel Digging - No canal, sewer or cellar excavation or mining, including 4000 8.35% 219 construction, repair or maintenance of all buildings, structures, or equipment; installation of machinery (Drivers, Chauffeurs and their helpers engaged exclusively in delivery of the finished product from storage bunkers shall be separately rated as 8232 ABuilding Material Dealers@) Where more than 25% of the material being excavated is passed through crushers, payroll for the crushing department shall be assigned to 1710 - AStone Crushing@ unless the crushed product will pass through an eight mesh or finer screen, in which case such payroll shall be assigned to 1741 - ASilica Grinding.@ Sandblasting - Outside - use Painting 5474 4.07% 117 Abrasive Blasting - Surcharge 5972 7.85% Sandblasting - Shop - use Foundries - Iron - N.O.C. 3081 4.23% 121

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Sanitariums - All employees 8829 1.73% 58 Sanitary Companies - Firms engaged in the cleaning of septic tanks, cesspools and 9402 4.34% 124 chemical portable toilets - All employees, including drivers, chauffeurs and their helpers Sanitary or Sanitation Districts Operation - All employees (Additions to, 7580 2.84% 86 alterations or construction of sewer lines or sewage disposal plants to be separately rated) This classification applies to all work incidental to the maintenance and operation of sewer systems or sewage disposal plants. Sash, Door Dealers - use Building Material Dealers (new) Commercial 8232 3.85% 111 Building Material Dealers (used) Second-hand 8204 4.58% 130 Sash, Door or Assembled Millwork Mfg. (Commercial lumber yards, building 2883 3.23% 96 material dealers or fuel and material dealers to be separately rated) Where a risk deals in any lumber or building material or in any fuel and materials in addition to products manufactured, all yard operations, including all drivers, chauffeurs and their helpers shall be assigned to the appropriate yard classification. Sash Erection - Metal - use Iron or Steel, Brass, Bronze, Aluminum 5102 3.63% 106 Sauna Baths - use Baths - N.O.C. 9053 1.3% 48 Savings & Loan Organizations - use Banks 8808 0.56% Scaffolds, Shoring, Concrete or Cement Distributing Towers, Hod Hoists or 9529 11.37% Construction Elevators - Installation or Removal The installation, repair or removal of scaffolds, shoring, concrete or cement distributing towers, hod hoists, or constriction elevators, when performed by building contractors, shall be assigned to the construction classification with which this work is associated. Schools - see Colleges or Schools Scale, Installation, Service and Adjustment - Away from Shop - Platform type - 3724 3.03% 91 Permanent or portable - use Millwright Work - N.O.C. Scale, Installation, Service and Adjustment - Away from Shop - Counter type - use 5146 2.44% 76 Furniture or Fixtures Installation N.O.C. School Teachers - use Colleges or Schools - Professors, Teachers 8868 0.27% 20 Scientific Instrument Dealers - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Scout (Boy & Girl) Council - Camp Operation - use Boy & Girl Scout Councils - 9015 3.11% 93 Camp Operation Scout (Boy & Girl) Council - Executive Secretaries - Office and Travel - use Boy 8742 0.75% 24 & Girl Scout Councils - Executive Secretaries Scout (Boy & Girl) Council - Clerical Office Employees other than at camp 8810 0.17% 19 locations - use Boy & Girl Scout Councils - Clerical

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Scrap Metal Dealers - Iron or Steel - use Salvage - Iron or Steel Scrap Dealers 8265 15.92% 408 Scrap Metal Dealers - Non-ferrous - use Salvage - Metal Scrap Dealers 8500 7.12% 193 Screens - Windows - Metal Mfg. - use Hardware Mfg. - N.O.C. 3146 3.28% 97 Searchlight Operation - Mounted on Trucks and Generated by Same - use 3724 3.03% 91 Electrical Machinery Second-hand Machinery and Equipment Dealers, including incidental 8257 12.69% reconditioning or repairing - use Salvage - Machinery and Equipment Dealers Secretarial Service - use Clerical Office Employees - N.O.C. 8810 0.17% 19 Seed Dealers - use Seed Merchants 8102 6.34% Seed Growers - Flower, Vegetables 0172 4.55% Septic Tank - Cleaning - use Street or Sewer Cleaning 9014 1.92% 63 Septic Tank - Installation - use Sewer Construction 6306 7.34% 199 Servant - Inside - Full-time - use Domestic - Inservant 0913 12% 27 Servant - Outside - Full-time - use Domestics - Outservant 0912 12% 27 Sewage Disposal Plants - see Sanitary or Sanitation District Operation 7580 2.84% 86 Sewer Cleaning - use Street or Sewer Cleaning 9402 4.34% 124 Sewer Construction - All Operations, including construction of laterals, tunneling 6306 7.34% 199 of street crossings Sewing Machines - Repair at Shop - use Machine Mfg. - N.O.C. 3574 2.83% Sewing Machines - Store - Retail - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Shaft Sinking - use Caisson Work 6252 16.65% 426 Sharpening Service - use Machine Shops (Lawnmowers) N.O.C. 3632 6.14% 169 Tool Mfg. (Hand Tools) 3099 3.95% Sheet Metal Work - Erection, Installation or Repair - N.O.C. - Shop and Outside, 5538 4.93% 138 including installation of furnaces or air-conditioning systems (Roofing and installation of pipe and pipe fittings to be separately rated) Shirt Manufacturing - use Clothing Manufacturing 2501 0.46% 27 Shoe Repairing - use Boot or Shoe Mfg. - Repairing 2660 0.84% 36 Shoe Shine Stand - use Barber Shops or Beauty Parlors 9586 0.29% 22 Shoe Store - use Stores - Clothing - Retail 8008 0.6% 30 Shopping Centers - Maintenance - use Buildings - N.O.C. 9015 3.11% 93

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Shooting Galleries 9180 6.95% 189 The preparation or serving of hot foods shall be separately rated under Restaurant, 9079. Showcase Mfg. - use Furniture or Cabinet Mfg. 2883 3.23% 96 Sidewalk Laying - use Concrete or Cement Work 5200 4.31% Sidewalk Light Prisms - Installation and Repair - use Concrete or Cement Work 5200 4.31% Sidewalk Tunnels - Installation - Not by a Building Contractor - use Scaffolds, 9529 11.37% Concrete or Cement Distributing Towers Siding Dealers - use Building Material Dealers (new) Commercial 8232 3.85% 111 Building Material Dealers (used) Second-hand 8204 4.58% 139 Sightseeing - Aircraft Operation - use Aircraft Operation - Sales or Service 7424 5.85% Sign Erection or Repair - not outdoor advertising companies 9552 7.26% 197 Sign Mfg. (Other than wood) 3066 3.16% 94 Sign Painting or Lettering - Inside of Buildings - including shop operations - 9553 5.61% 155 N.P.D. with 9549 - AAdvertising Cos.@ Slaughtering - use Butchering 2081 6.66% 182 Sling, Net, Rope, Ladder, etc. - Assembling for Rigging - use Contractors 8227 1.95% 64 Permanent Yards Slot Car Raceways or Parlors - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Smoke Shop - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Social Clubs - use Clubs - N.O.C. 8061 1.3% 48 Social Rehabilitation Facilities for Adults - all employees - N.P.D. with 9070 - 8804 2.35% AHomes for Aged,@ 9070 - ACommunity Care Facilities for Adults,@ 9070 - AResidential Care Facilities for Adults@ or 8823 - AResidential Care Facilities for Children@ This application is applicable to non-medical residential care facilities providing services in a group setting to persons who are capable of meeting their life support needs independently, but who temporarily need assistance, guidance and counseling. Sorority or Fraternity Houses - use Hotels 9052 1.52% 53 Sound Proofing - use Insulation Work 5479 3.2% 95 Sound System Installation, Service and Repair, within Buildings - including 7605 5.67% storage and yard employees Spirit Merchants and Processors - use Stores - See Wine or Spirit Merchants 8041 6.68%

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Sporting Goods Store - use Stores - Risks - Retail - N.O.C. 8017 0.49% 27 Spraying by Aircraft - use Aircraft Operation - Agriculture 7409 11.59% Spraying Orchards 0103 21.03% Sprinkler Systems - Fire - Installation - use Automatic Sprinkler Installation 5183 4.6% 130 Sprinkler Systems - Lawn - Installation - use Plumbing - N.O.C. 5183 2.74% 84 Stables - All employees 7207 5.35% 149 Stadiums - Operation - use Athletic Teams or Parks (care, custody and 9182 1.65% 56 maintenance only) Stationary Stores - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Stationary Supply Dealers - use Store Risks - Wholesale - N.O.C. 8018 1.44% 51 Steam Baths - use Baths - N.O.C. 9053 1.3% 48 Steam Pipe or Boiler Insulation - Applying cork, asbestos, or other non-conducting 5184 2.74% 84 materials, including shop Steel - Fabrication or Erection - see Iron or Steel, Steel Making - Electric Furnace 3004 6.66% 182 or Crucible Processes, including blooming mills or forging or rolling mills (Blast furnace operations or coke manufacturing to be separately rated) Steel Merchants - use Iron or Steel Merchants 8106 4.69% 132 Steel Works - Shop - Structural - use Iron or Steel Works - Shops 3030 6.96% 189 Stock and Bond Brokers - use Clerical (Inside) Office Employees - N.O.C. 8810 0.17% 19 Salesmen, Messengers, Collectors (Outside) 8742 0.36% 24 Stock Farms - use Farms and Stock Farms 0038 12.76% Stockyards - with or without Butchering 2081 6.66% 182 Stone Crushing, including construction, repair or maintenance of all buildings, 1710 9.64% 96 structures or equipment; installation of machinery. Assureds engaged in preparing crushed, ground or screened products down to and including materials which will be retained on an 8 mesh screen shall be considered crushing risks and assigned to 1710 AStone Crushing.@ Assureds engaged in preparing crushed, ground or screened products that pass an 8 mesh or finer screen shall be considered as engaged in tine grinding and assigned to 1741 ASilica Grinding.@ Stone Cutting or Polishing - Quarrying to be separately rated 1803 3.4% 100 Stone cut in quarries shall be rated as 1624 - AQuarries@ Stonework - Interior - not Masonry - use Tile, Stone, Mosaic 5348 2.82% 86 Stores Automobile Accessory Stores - Wholesale or Retail, including inside or outside 8046 1% 40

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM salesmen (Recapping or retreading of tires to be separately rated) Bicycle Sales, Repair or Rental Operations 8017 0.49% 27 Clothing, Wearing Apparel or Dry Goods Stores - Retail, including alteration 8008 0.6% 30 department (Manufacturing operations to be separately rated) Clothing, Wearing Apparel or Dry Goods Stores - Wholesale or combined 8032 0.51% 28 Wholesale and Retail - No manufacture Delicatessen Stores - Retail 8017 0.49% 27 This classification is not applicable to delicatessens that prepare or serve hot food for consumption on the premises. All operations of such delicatessens shall be assigned to code 9079 - ARestaurants.@ Department Stores - Retail, including Clerical Office Employees, Salesmen 8039 0.68% 32 This classification includes installation of house furnishings and house hold appliances and shall apply to each location of a risk at which all the following conditions obtain: (1) The payroll subject to this classification is at least $100,000 per annum (2) The merchandise handled must include: (a) Wearing Apparel (b) Textile Fabrics (c) House Furnishings (other than furniture) (d) One or more of the following: Cosmetics Jewelry Drugs Luggage Furniture Musical Instruments Groceries/Meats Sporting Goods Hardware Toys (3) The total annual sales of items (a), (b) and (c) above must not exceed 50% of the total annual sales. Five and Ten Cent Stores - use Stores, Retail 8017 0.49% 27 Floor Covering Dealers - Retail - Carpets, Rugs, Linoleum 8017 0.49% 27 The application of laying of linoleum, carpet, rugs, asphalt or rubber tiling performed within buildings to be separately rated as 9521 - AHouse Furnishings - N.O.C. - Installation@ Floor Covering Dealers - Wholesale or Combined Wholesale and Retail - Carpet, 8018 1.44% 51 Rugs or Linoleum The application or laying of linoleum, carpet, rugs, asphalt or rubber tile performed within buildings to be separately rated as 9521 - AHouse Furnishings - N.O.C. - Installation@ Florists, including store and service away from the premises (cultivating or 8001 0.97% 39 gardening to be separately rated) Fruit or Vegetable Stores - Retail - No handling of fresh meats. Employees 8017 0.49% 27 engaged in the curing and packaging fo meat for any part of their time shall be separately rated. Furniture Stores - Wholesale or Retail 8015 3.63% Installation, service or repair of electrical household appliances - Rate as Household Appliances The application or laying or installation of linoleum, carpet, rugs, asphalt or rubber tile or draperies performed within buildings to be separately rated as 9521 - AHouse Furnishings - N.O.C. - Installation.@ Garden Supply Stores - N.O.C. 0005 3.62% 106 This classification shall apply to concerns in which the following conditions obtain: (1) A nursery department is operated involving a yard with a lath or greenhouse or bedding plant area and

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM (2) One or more departments are operated for selling such diversified articles as (but not limited to) potted plants, cut flowers, patio furniture, lawnmowers, insecticides, fertilizers, barbecue supplies, figurines, kitchenware or tools. Grocery and Provision Stores - Retail (Employees engaged in the cutting and 8017 0.49% 27 packaging of meat for any part of their time to be separately rated) Hardware Stores - Retail 8017 0.49% 27 This classification shall include incidental sales to builders, contractors or professional users. Jewelry Stores - Wholesale and Retail 8013 0.32% 23 Meat, Fish or Poultry Stores - Retail - N.P.D. 8031 3.20% 95 This classification shall include incidental sales to restaurants, institutional buyers or retail stores. When more than 25% of sales are to consumers other than family trade, rate as 8021. Meat, Fish or Poultry Dealers - Wholesale - N.P.D. with 2081 - AButcher@ 8021 3.76% 109 The receiving, wholesaling (no processing) of prepackaged meat should be rated separately as 8018 AStores - Wholesale.@ Poultry Supply Stores - Retail 8117 7.35% Store Risks - Retail - N.O.C. 8017 0.49% 27 The preparation or serving of hot foods shall be separately rated under Restaurants, 9079. Store Risks - Wholesale or combined Wholesale and Retail - N.O.C. 8018 1.44% 51 Welding Supply Stores - Wholesale or Retail, including the charging of welding 8018 1.44% 51 cylinders. Wine, Beer or Spirits - Retail 8060 3.44% Applies to firms operating under Aoff-sale@ licenses, with more than 50% of gross sales in alcoholic beverages sold for off-premises consumption. Wine or Spirit Merchants - Wholesale, including blending, rectifying, distilling or 8041 6.68% bottling. Storm Drain Construction - Monolithic or Reinforced Concrete - use Sewer 6306 7.34% 199 Construction Storm Drain Construction - Open Channel - Concrete - use Canal Construction 6361 8.13% 124 Street or Sewer Cleaning 9402 4.34% Street or Road Construction - Grading - All operations of bringing roadbed to 5507 5.53% 153 grade, including clearing and grubbing right-of-way and temporary surfacing. (Bridge or culvert building where clearance is more than 10 feet at any point or the entire distance between terminal abutments exceeds 20 feet; tunneling, sewer construction, quarrying, stone crushing, sand and gravel digging to be separately rated) Street or Road Construction - Paving or repaving, surfacing or resurfacing or 5506 7.26% 152 scraping - all kinds, including airport runways, warming aprons, incidental field plants, fence or guard rail construction. (Clearing of right-of-way earth or rock excavation, filling or grading, tunneling, bridge or culvert building, quarrying, stone crushing, sand or gravel digging to be separately rated) Stucco Work - use Plastering or Stucco Work 5480 3.2% 95

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Stunt Flying - use Aircraft Operation - Public Exhibition, etc. 7419 12.87% Subdivision Developers - No Construction - use Real Estate Agencies 8741 0.47% Supermarkets - use Stores - Meat, Grocery, Provisions - N.O.C. 8033 1.62% 56 Surplus Stores - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Surfing Shops - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Sweeping of Parking Lots and Other Off-street Areas by Specialty Contractors - 9014 1.92% 63 use Buildings - Operation by Contractors Swimming Clubs - use Clubs - Baths - N.O.C. 9060 1.55% 54 Swimming Instructors - use Baths - N.O.C. 9053 1.3% 48 Swimming Pool Cleaning and Maintenance by Specialty Contractors - use 9014 1.92% 63 Buildings - Operation by Contractor Swimming Pool Contractors: Excavation - N.O.C. 6217 10.5% 273 Concrete Construction - N.O.C. 5213 5.49% 152 Plumbing - N.O.C. 5183 2.74% 84 Millwright Work - N.O.C. 3724 3.03% 91 Electrical Wiring 5190 2.93% 88 Concrete and Cement 5200 4.31% Masonry - N.O.C. 5022 6.06% 167 Tile, Stone, Mosaic Work 5348 2.82% 86 Buildings (Maintenance) - N.O.C. 9015 3.11% 93 Depends on work being performed by contractor. Swimming Pools - Commercial - All employees, including restaurant employees, 9053 1.3% 48 Clerical Office Employees Swimming Teams - Company sponsored - use Athletic Teams or Parks - Tennis, 9181 6.46% Swimming Tableware - Pottery 4049 5.23% Tailor Shops - use Dressmaking or Tailoring 2503 0.33% 23 Tamale Mfg. (No can) - use Bakeries and Cracker Mfg. 2003 1.35% 49 Tank Building - Metal 3620 8.64% 228 Tank - Cleaning out oil deposits and debris - By speciality contractor - use Street 9402 4.34% 124 or Sewer Cleaning Tank Erection (within Buildings) - use Boiler Installation - Repair or Setting 3726 17.23% 441 Tank Erection - Metal - Not Elevated 5040 18.04% 461 Tank Erection - Wood - use Carpentry - N.O.C. 5403 16.44% 421 Tank Installation - Butane or Shellane - in Homes - use Plumbing - N.O.C. 5183 2.74% 84

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Tanks - Lining with Porcelain - use Painting - Oil or Gasoline Storage Tanks 5474 4.07% 117 Tanning 2623 8.7% Tar Paper Preparation - use Building or Roofing Paper 4263 6.36% Tar Works - use Asphalt Works 1463 4.76% 134 Tax (Income) Services - use Clerical Office Employees - N.O.C. 8810 0.17% 19 Taxi Service - Aircraft - use Aircraft Operation - Sales or Service 7424 5.85% Taxicab Operations - All Employees 7365 13.82% Teachers - School - use Colleges or Schools - Professors, Teachers 8868 0.21% 20 Telephone Answering Service - use Clerical Office Employees - N.O.C. 8810 0.17% 19 Telephone Books Distributors - use News Agents or Distributors 8745 2.05% 68 Telephone or Telegraph Companies: (1) Office or Exchange Employees, including Clerical Office Employees 8901 0.17% 19 (2) All other employees, including operation, maintenance, extension of lines, 7600 3.66% 107 making of service connection Telephone, Telegraph or Fire Alarm Line Construction 7601 4.63% 131 Television or Radio Receiving Set, Installation, Service or Repair 9519 1.74% 69 This classification includes shop or outside employees, incidental parts department employees, erection of antennas. Electrical wiring or tower erection to be separately rated. Television Stations - see Radio or Television Broadcasting Television Broadcasting - Salesmen - use Radio or Television - Salesmen 8742 0.36% 24 Television Broadcasting - Studio - use Radio or Television - All Others 7610 0.24% 21 Television Set - Installation - use Radio and TV Receiving Set - Installation 9519 1.74% 59 Television Tower Erection - Metal 5040 18.04% 461 Television Transmitter or Field Employees - use Radio or Television - Transmitter 7609 0.86% 37 or Field Employees Temporary Grandstands - Installation - not by a building contractor - use Scaffolds, 9529 11.37% Concrete, Cement Distributors Tennis Clubs - use Clubs 9060 1.55% 54 Tennis Teams - Company-sponsored - use Athletic Teams - Tennis, Bowling, Golf, 9178 4.66% 310 etc. Tent Erection - Removal or Repair - Away from Shop 9529 11.37% This classification does not cover erection, removal or repair of canvass awnings. Such operations shall be assigned to 5102 - AIron, Steel, Brass, Bronze or

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Aluminum Erection.@ Termite Control Work - All Operations - including yard employees; salesmen, 5650 1.57% estimators This classification applies to operations involved in the control and extermination of termites and other wood-destroying pests or organisms by fumigation or spraying of poisonous insecticides. It also applies to structural repair operations conducted in connection therewith. Terrazzo Work - Interior - not Masonry - use Tile, Stone, Mosaic or Terrazzo 5348 2.82% 85 Test Pilot - Experimental Aircraft - use Aircraft Operation - Testing 7419 12.87% Test Pilot - Testing Aircraft Manufactured under an Approved Type Certificate - 7426 1.6% use Aircraft Operation - Testing Aircraft Theaters: (1) Players, Entertainers or Musicians 9156 0.31% 23 The actual remuneration of directors, players, entertainers, or musicians must be included, subject, however, to a maximum of $100 per week per person; provided that, subject to the above limitation, the payroll basis for vaudeville, burlesque, farce or continuous performance players shall be the amount paid by the theaters for each act. (2) All other employees - including managers, stage hands, box office employees, 9154 0.51% 28 ushers or motion picture operators. Drive-in-Theaters - operations performed by parking attendants to be separately rated as 8392 - AAutomobile Parking Stations or Lots.@ Ticket Agencies - use Clerical Office Employees - N.O.C. 8810 0.17% 19 Tie Making - Wood - use Wood-chopping or Tie Making 2702 13.24% 341 Tie Painting - use Clothing Mfg. 2501 0.46% 27 Tile, Stone, Mosaic or Terrazzo Work - Interior Construction Only - not Fireproof 5348 2.82% 86 Tile Construction Tire Recapping - Rubber - use Rubber Tire Recapping or Retreading 4420 2.33% 73 Title Cos. - use Clerical Office Employees - N.O.C. (Inside) 8810 0.17% 19 Salesmen, Collectors, Messengers 8742 0.36% 24 Toilets (Portable) Service - use Street or Sewer Cleaning 9402 4.34% 124 Towel or Toilet Supply Cos. - No Laundry Operations 8017 0.49% 27 Towing Service (Vehicle) use Automobile or Auto Truck - Service Station, or 8387 2.62% 81 Automobile or Auto Truck - Repairs, or 8389 5.51% Automobile or Auto Truck - Storage, or 8389 2.14% Automobile or Auto Truck - Dismantling 3821 11.64% 301 Toy Store - use Store Risks - Retail - N.O.C. 8017 0.49% 27

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Track Teams - Company-sponsored - use Athletic Teams - Track 9178 4.66% 310 Transit Mix - Concrete - Preparation and Delivery - use Building Material Dealers 8232 3.85% 111 Transmission Tower Erection - use Iron or Steel Erection 5040 18.04% 461 Trash Container Companies - use Garbage, Ash or Refuse Collecting 9403 6.29% 172 Travel Bureaus - use Clerical Office Employees - N.O.C. 8810 0.17% 19 Tree Christmas - Lot Retail - use Stores - Store Risks - Retail 8017 0.49% 27 Tree Crops - use Farms - Orchards 0016 6.93% Trees - Mature - Excavating, Transporting, Transplanting - use Truckmen - N.O.C. 7219 4.92% 138 Tree Pruning, Repairing or Trimming - N.O.C. - Hand or Mechanical Power - 0106 20.63% 516 including yard employees This classification includes spraying or fumigating in connection with three pruning, repairing or trimming. Trenching, Custom - Canal, Drainage System, Irrigation System - use Canal 6361 8.13% Construction Trenching, Custom - Conduit - use Excavation - N.O.C. 6217 10.59% 273 Trenching, Custom - Sewer - use Sewer Construction 6306 7.34% 199 Trenching, Custom - Gas Mains, Water Mains - use Water Mains 6319 4.19% 120 Truckmen - N.O.C. - including terminal employees, garage men and repairmen. 7219 4.92% 138 (Storage warehouse employees to be separately rated.) Tuba, Vinegar Mfg. Distilling 2130 3.78% 110 Manufacturing - including tree climbing and bottling 1472 4.32% 123 Tunneling - All Work to Completion - including lining 6251 25.53% 638 Typewriter Shops - use Store Risks - Retail - N.O.C. 8017 0.49% 27 Office Machines - N.O.C. (Repair) 5191 0.82% 36 U-Drive - Auto Rental - use Automobile, Bus, Livery or Taxicab 7382 2.51% 78 Undertakers - Use Funeral Directors 9620 1.84% 61 Upholstering 9522 0.75% 34 Used Car Lot Salesmen - use Automobile or Automobile Truck Dealers - Salesmen 8748 0.57% 29 Used Car Lot - Lot Boys - No Repair 8392 2.14% 69 Vacuum Cleaner Dealers - Retail - use Stores, Store Risks, Retail - N.O.C. 8017 0.49% 27 Vacuum Cleaner Dealers - Wholesale or Combined Wholesale & Retail - use 8018 1.44% 51

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Stores - Store Risks - Wholesale - N.O.C. Vacuum Truck - Drilling - see Mud Hauling - use Garbage, Ashes, or Refuse 9403 6.29% 172 Collecting Variety Stores - use 8017 0.49% 27 Store Risks - Retail - N.O.C. Vaudeville - Players - use Theaters - Players, Entertainers or Musicians 9156 0.31% 23 Vault Construction 5057 21.33% 53 Vegetable Dehydrating - use Fruit and Vegetable Evaporating or Dehydrating 2102 5.73% Vegetable Growing - use Farms - Truck Farms & Vineyards 0017 3.94% Vegetable Packers - use Fruit or Vegetable Evaporation or Dehydrating 2102 5.73% Fruit - Fresh Fruit Packing 2107 6.69% Farms - Truck Farms and Vineyards 0017 3.94% Vending Concessionaires - Dispensing Food, Drinks, Candy, etc. at Ball Parks, 9079 1.27% 47 Race Tracks, Theaters and Exhibitions This classification is not applicable to street vendors. Such work shall be rated as 8017, AStores.@ Vending or Coin Operated Machines - Installation, Service or Repair - including 5192 1.28% 47 storage, sho and outside operations; salesmen Venetian Blind Assembly - from manufactured parts including finishing - N.P.D. 2881 1.51% 53 Venetian Blind Installation - use House Furnishings 9521 2.27% 72 Venetian Blind - Laundry - Spraying and Drying - use Painting - Shop only 9501 1.08% 42 Veterinarians - including artificial insemination - use Hospitals - Veterinary 8831 5.22% 146 Wallboard Application - Within Buildings - Installation or Application of Gypsum 5445 5.52% 153 Wallboard - including finishing and preparation prior to painting - N.O.C. This classification is applicable to the installation or application of insulating materials within buildings, but only if installed by the same contractor performing the wall board application at the same job or location. Warehouse - Cold Storage 8291 4.26% 122 Warehouses - Field Bonded Warehouses 8710 1.73% 58 Warehouse - Furniture - including packing or handling household goods away 8293 4.53% 128 from assured=s premises. Transporting of furniture under contract for mfg. or store; rate under 7219 - ATruckmen - N.O.C.@ Warehouses - General Merchandise - N.O.C. (Drivers, Chauffeurs and their 8292 2.93% 88 Helpers to be separately rated as 7219 - ATruckmen@) Watchmen or Guards - Block or Special Police 7721 6.71%

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Watch Repair 3386 0.86% Water Mains or Construction - including tunneling at street crossing (All other 6319 4.19% 120 tunneling to be separately rated) This classification is not available for the construction of aqueducts, cross-country pipe lines or hydro-electric projects. Water Pump Installation - use Millwright Work - N.O.C. 3724 3.03% 91 Water Softener Service - Shop and Installation - use Household Appliances 9519 1.74% 59 Water Towers & Elevated Tanks Erection 5040 19.04% 461 Water Truck Service Cos. 7272 5.83% Waterproofing Cloth - not Rubber 2413 2.17% 69 Waterproofing Cloth - Rubber 4410 3.06% Waterproofing - other than roofing or subaqueous work when performed as a 5474 4.07% 117 separate operation not a part of or incidental to any other operation - including yard employees Waterworks - Operation - All employees - including construction or extension of 7520 2.73% 83 lines (construction of aqueducts, buildings, dams or reservoirs to be separately rated) Payroll of meter readers not exposed to operative hazards shall be assigned to 8743

• ASalesmen, Collectors or Messengers.@ Water Sports, Parasailing, Wind Surfing, Bunaboard, Wake Boarding 9180 6.95% 189 Weather Strip Installation - use Furniture or Fixtures - N.O.C. 5146 2.44% 76 Weed Cleaning or Spraying - use Landscape Gardening 0042 3.27% 97 Welding or Cutting - N.O.C. - Shop or Outside - including incidental machining 3365 9.37% 244 operations, connected therewith - N.P.D. (Welding or cutting in connection with mfg., demolition, wrecking, salvaging or construction operations shall be assigned to the classification describing the operations with which such welding or cutting is connected) Well Digging 6252 16.65% 426 Weaving or Spinning of Natural Fibers 2222 1.47% 52 Wharf Building - Timber - including pile driving (Concrete work and reinforcing 6003 12.51% 323 steel installation in connection with concrete work to be separately rated White Washing - use Painting, Decorating or Paper Hanging - N.O.C. 5474 4.07% 117 Window Cleaning - use Building - Operation by Contractors 9014 1.92% 63 Window Dressing - use Salesmen, Collectors, Messengers 8742 0.36% 24 Window Frames and Sash - Metal - Installation - use Iron or Steel, Brass, Bronze, 5102 3.63% 106 Aluminum

TITLE 20: DEPARTMENT OF COMMERCE NMIA WORKERS COMPENSATION TARIFF CLASSIFICATION CODE RATE MINIMUM PREMIUM Window Shade - Assembly - use Furniture Assembly 2881 1.51% 53 Wiping Rag Dealers - including all Laundry Operations - use Salvage - Paper 8264 5.14% 144 Stock or Rag Dealers Wire Rope and Cable Dealers - including Splicing - use Iron or Steel Merchants 8106 4.69% 132 Woodenware Manufacturing or Woodturned Products 2883 3.23% 96 Working Platforms - Installation - not by a Building Contractor - use Scaffolds, 9529 11.37% Concrete, or Cement Distributing Towers X-ray Laboratories - use Physicians or Dentists 8834 0.58% X-ray Laboratories - Metal - use Analytical or Testing Laboratory 4511 1.54% 54 X-ray Machines - Installation - use Millwright Work - N.O.C. 3724 3.03% 91 X-raying - by Contractor - at Industrial Plants or Construction Site - use Welding 3365 9.37% 244 or Cutting - N.O.C. Yacht Brokers - use Automobile Dealers Yacht Clubs - use Clubs - Country, Golf, Yachting 2222 1.47% 52 Y.M.C.A. or Y.W.C.A. Institutions - All Employees - including teachers, 9061 3.58% 48 instructors, clerical office employees, salesmen Zookeepers 9016 2.84% 86 Domestic Workers - Residences Classification Classifications Code Annual Rate Minimum Number Premium Inservants 0913 12.00% $27.00Outservants-includingPrivateChauffeurs091212.00$27.00 Occasional 0908 6.00% $21.00 Longshore and Harbor Workers Classifications Code No. Rate Incl. Min. Prem. Code No. Rate Incl. Min. Prem. Code No. Rate Incl. Min. Prem. Disease Disease Disease 0763 Refer to Rate Page 6872F Refer to rate page 7327F Refer to rate page

TITLE 20: DEPARTMENT OF COMMERCE 6801F 6874F 7350F 6824F 7309F 8709F 6826F 7313F 8726F 6843F 7317F 9077F 6845F 7323FN (a) Rated Classifications Code Rate Min. Code Rate Min. Code Rate Min. Code Rate Min. No. Incl. Prem. No. Incl. Prem. No. Incl. Prem. No. Incl. Prem. Disease Disease Disease Disease 6260 (a) (a) 7425 (a) (a) 8837 (a) (a) 9529 (a) (a)

TITLE 20: DEPARTMENT OF COMMERCE Maritime and Federal Classifications Code No. Rate Incl. Min. Prem. Code No. Rate Incl. Min. Prem. Code No. Rate Incl. Min. Prem. Disease Disease Disease 6702 Refer to rate page 7024 Refer to rate page 7039 Refer to rate page 6703 7027 7046 6704 7028 7047 7016 7036 7048 7019 7037 7049 7020 7038 7050 Modified, 1 CMC ’ 3806(f), (g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003).

TITLE 20: DEPARTMENT OF COMMERCE @ Appendix B Interpretation Section Classification Bakery (HIRB Workers= Compensation Committee Members Minutes of 03-04-87): Where physical separation exists, i.e. retail store employees are not exposed to bakery operations, and there is no interchange of labor, code 8017 would be permitted at the same location. Boiler Installation or Repair Aboard Ship (NCCI Manual Committee Minutes, 10-25-32): Ruling: Boiler installation or repair, placing or repairing of engines, pumps, etc., and masonry work in connection with the foundation of boilers when done by independent contractors whose shore operations are specifically classified, is not contemplated by the shipwright classification. Such operations should be classified as boiler installation or repair, millwright work and masonry, and the published rates increased for longshore and harbor workers (LHWCA) by percentage indicated on the rate pages. Construction or Erection Permanent Yard - Garage Employees (NCCI Underwriting Committee Minutes, 11-02-89): When a driver performs routine service work on the risk=s vehicles - such as washing vehicles, checking of fluid levels, filling vehicles with fuel and similar activities (regardless of where performed), such activities shall be assigned to the classification otherwise applicable to drivers. Freight Handling Operations: The Longshore & Harbor Worker=s Compensation Act (LHWCA) was extended in 1972 to contemplate operations conducted in or on various shore side areas. Its scope and application has been subject to interpretation by the courts and by administrative bodies. Bodies of questions concerning the application of the LHWCA the following is intended to serve as a guide in assigning the freight handling classifications. This is provided only as a guideline and is not intended to be an interpretation of the application of the LHWCA. The classification applicable to freight handling operations subject to the LHWCA, code 7350F, applies to the handling of cargo, incidental to the loading or unloading of vessels, on piers or adjoining areas or in terminals. Operations contemplated by this classification include stuffing and stripping container, other processing of waterborne cargo and loading and unloading of trucks, and railroad cars on piers of in adjoining areas or in terminals. This classification applies to separate employees who are

TITLE 20: DEPARTMENT OF COMMERCE engaged in moving cargo from any point which is removed from, and not connected with, the hazards of the sling in loading and unloading vessels. The storage, maintenance or repair of nets, slings, forklift trucks or other equipment by insured engaged in freight handling or stevedoring operations shall be assigned to the governing classification, even though such operations are conducted at a separate location. The classification applicable to freight handling operations subject to coverage only under a state compensation act, code 7360, applies to operations conducted at railroad yards, airports or warehouses not located on piers or in terminals or areas adjoining piers. If code 7350F is not applicable in a particular jurisdiction, then these guidelines would apply to the application of the LHWCA exposure exists. Gasoline or Oil Supply Stations - Maintenance by Lessors: This reviews the classification assignment of employees of oil and gasoline distributing companies engaged in maintaining gasoline or oil supply stations owned by such companies but leased to others for operation. The work of these employees involves such operations as the minor adjustment, repair and cleaning of air compressors, gasoline pumps and other mechanical equipment; inspection of premises; maintenance of lavatories; painting the interior and exterior of the buildings; and in general keeping the premises in an attractive condition. Their work does not involve any new construction or alteration work on buildings; nor to any appreciable degree, the installation of gasoline pumps and tanks since such work is let to contractors specializing in it. Consideration has been given to these maintenance activities, and it is the ruling that the operations in question are essentially the same as those conducted in company owned and operated stations and therefore, are properly assignable, by analogy, to code 8350 gasoline station - retail - NOC & drivers. Hotel or Motel Operations: The two classifications applicable to hotel operations, codes 9079 restaurant NOC and 9050 hotels - all employees & drivers include only those workers directly employed by the hotel or motel and do not include employees of concessionaires or independent contractors operating on the premises. Any employees working in both the hotel and restaurant operations, such as bellhops engaged in room service or clerical employees, shall be subject to the division of a single employee=s payroll rule. The scope of code 9079 contemplates employees engaged in food service or beverage operations only, such as, but not limited to, waiters, waitresses and their assistants, cooks, kitchen help, bartenders, cashiers, restaurant manager, etc., and includes musicians and entertainers. All other employees of the hotel or motel, such as desk clerks, maids, housemen, inside and outside maintenance, store workers, barbers, laundry workers, etc., are to be assigned to code 9050.

TITLE 20: DEPARTMENT OF COMMERCE Interior Decorators - House Furnishing Installation (HIRB Circular 02-05-85): Most interior decorators will be employed by a firm that installs house furnishings or is engaged in upholstering work. Therefore, this is to verify that the interior decorators of such firms are to be included in the governing classification - code 5474. On the other hand, if an interior decorator is not employed by such firm, but only offers their expertise, we would use the salespersons classification, code 8742. If the decorator does not sell or install house furnishings - or work for a firm that does - code 5474 would not be appropriate. Rather, it would seem their exposure is akin to a salesperson that travels from place to place, shows samples or brochures and writes the orders for selected items. Limousine Co.: AScheduled@ service applies to operations which provide services on a prearranged basis. Non-scheduled service applies to operations which operate on an Aon-call@ basis. Further, narrators who escort tours, but do not have driving responsibilities are properly classified into code 8742. Lithographing - Automatic Lithographing Platemaking: This process involves the use of a completely enclosed automated plate processor which is similar in nature to a typical photocopy machine commonly found in offices. This plate processor utilizes aqueous, non-toxic solutions and thin gauge metal or similar material. It automatically develops, desensitizes, gums and dries in one operation. The operator does not come into contact with the solutions but merely feeds a plate into the processor. Once the plate processing is completed, the finished thin gauge plate exits the processor thoroughly dry. It is the ruling the employees engaged in the above described operations, when performed in a physically separated department and with not interchange of labor beyond other clerical functions, shall be classified as code 8810 - Aartists, designers, clerical office employees.@ Business concerns specializing in the operations described above as a service for others shall also be classified as code 8810. Mobile Crane and Hoisting Service: This pertains to risks who enter into contracts to perform hoisting or lifting operations exclusively. Such operations include, but are not limited to, the following: 3.* The hoisting of machinery and equipment into existing buildings.

TITLE 20: DEPARTMENT OF COMMERCE 4. The hoisting of materials on construction and erection projects, and 5. The use of mobile cranes to load or unload trucks or freight cars. *Numbering error in original. The payroll developed by insureds performing the above described operations exclusively shall be assumed to code 7219, Amobile crane and hoisting service contractors.@ An employer who performs both hoisting and construction operations on a particular project shall not be assigned to code 7219, Amobile crane and hoisting service contractors,@ but shall have his entire payroll in connection with such project, including the payroll developed in the operation of the mobile crane, assigned to the applicable construction classification. Rental / Rent-all Stores (HIRB Workers= Compensation Minutes of 03-02-88): Stores engaged principally in the rental of miscellaneous items such as sanding machines, power tools, carpenter=s equipment, plumber=s tools, electric fans, vacuum cleaners, floor polishers, baby equipment and beds, party and banquet equipment, wheel chairs and garden or yard tools are properly classified into code 8017. Stores which specialize in a particular type of rental (e.g. tuxedo rental) are properly assigned to the respective store classification in the manual. Further, the erection of tents in conjunction with the rental of banquet equipment is considered to be an incidental operation of the business, but the repair of rented equipment and tools by Arent-all@ firms should be separately rated. Salespersons - Delivery (NCCI Underwriting Committee Minutes, 03-23-35): The question of considering as salespersons instead of as chauffeurs those salesperson who deliver for accommodation or courtesy purposes a very limited quantity of the products which they sell was presented to the Committee which felt that such salespersons, regardless of whether they drive, Asedan deliveries,@ Apanel trucks,@ or the like or pleasure body cars are not equitably treated under code 7380. To clarify the definition of the standard exception, Asalesperson,@ (’ 20-40.3-405(b)(4)) the following interpretation was approved. Interpretation: That as respects ’ 20-40.3-405(b)(4) of this subchapter any salesperson whose duties include occasional courtesy delivery of a nominal quantity of the merchandise sold shall be classified as code 8742 salespersons. Schools or Colleges - Maintenance or Repair Employees

TITLE 20: DEPARTMENT OF COMMERCE (NCCI Bulletin 03-03-29): Under the colleges or schools classification code 9101 is intended to include skilled workers steadily employed as plumbers, steam fitters, carpenters, etc., as well as those engaged in ordinary maintenance and repair work. If, however, such employees are engaged in extensive alteration work or new construction work they should be classified under the appropriate construction classification. Attention is called to the fact that this procedure is covered by ’ 20-40.3-405(c) and (d) of this subchapter. Stevedoring - Incidental (NCCI Underwriting Committee Minutes, 06-29-37): Many lumber yards, fuel and material dealers, hay, grain and feed dealers, fertilizer manufacturing plants, etc., are located on navigable waters. Frequently such risks load their products on ships or unload raw materials or finished products consigned to them. In many cases this work is done at irregular periods by employees normally engaged in plant operations. Interpretation: Payroll expended for such loading or unloading on navigable waters, should be assigned to the appropriate stevedoring codes, 7309 or 7317. Basic Manual Part 900 - Cancellation There are two ways in which policies may be cancelled, namely pro-rata or short rate. The pro-rata method is used when the policy is cancelled by the carrier. The short rate method is used when the policy is cancelled by the insured. However, if the insured when requesting cancellation of the policy is retiring from the business covered by the policy or if the work has been completed, the policy may be cancelled on a pro- rata basis. Pro Rata Cancellations: Adjustment of premium shall be made by applying authorized rates to the audited payrolls. The pro-rata portion of the expense constant shall be added but not less than $50. The total premium for the cancelled policy shall not be less than the pro rata portion of the minimum premium. (Refer to ’ 20-40.3-620.) Short-term Policies: If short term policies are cancelled before their normal expiration date, the adjustment of premium shall be made on a pro rata basis. Short Rate Cancellations:

TITLE 20: DEPARTMENT OF COMMERCE Adjustment of premium shall be made by applying the appropriate short rate percentage corresponding to the time the policy was in force, to the premium on a full annual basis, determined by applying authorized rates to the audited payroll, extended pro rata to a full annual basis. In addition, the short rate portion of the expense constant, subject to a minimum of $50, shall be included. However, if the final premium so computed is less than the specified minimum premium, the minimum premium shall be charged. Short-term Policies: Short-term policies canceled before their normal expiration date: Short rate the annual expense constant, and balance to the full annual premium. Modified, 1 CMC ’ 3806(c), (d), (f), (g). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003). Commission Comment: In the AFreight Handling Operations@ section, the commission changed Aform@ to Afrom@ and corrected the spelling of Apoint.@ The Commission corrected the spelling of “automatic” in the “Lithographing” section pursuant to 1 CMC § 3806(g).

TITLE 20: DEPARTMENT OF COMMERCE Appendix C Cancellation Tables

TITLE 20: DEPARTMENT OF COMMERCE

TITLE 20: DEPARTMENT OF COMMERCE

TITLE 20: DEPARTMENT OF COMMERCE

TITLE 20: DEPARTMENT OF COMMERCE History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003).

TITLE 20: DEPARTMENT OF COMMERCE Appendix D Manual Supplement - Treatment of Disease Coverage I. Rates Manual rates include premium for the disease exposures covered by the standard policy. Refer to basic manual § 20-40.3-201 and § 20-40.3-205 for an explanation of these coverages. II. Supplemental A supplemental disease loading may be added to a manual rate applicable to an individual risk. The supplemental disease loading proposed shall be based on the carrier’s judgment after an evaluation of the operations and shall be subject to the approval of the Office of the Insurance Commissioner. III. Specific Disease Loading A. Explanation The manual rates for classification code numbers followed by the symbols “d” or “D” on the rate pages include specific disease loadings. These loadings reflect specific disease hazards involved in the operation assigned to such classifications. B. Removal from Manual Rate If approved by the Office of the Insurance Commissioner, the specific disease loading may be removed from a manual rate when the substance for which the disease loading was established is not present in the operations of the insured. Exception For silicosis, the specific disease loading may be removed when not more than 5% free silica is present. C. Partial Application Partial application of a specific disease loading is permissible only as provided below:

1. For code 1852 – “Asbestos Goods Mfg.” the specific disease loading shall be reduced 50% for risks which manufacture only molded asbestos goods and which do not conduct asbestos textile operations, such as picking, carding, spinning or weaving.

TITLE 20: DEPARTMENT OF COMMERCE 2. For codes 1605 - “Rock Excavation” and 5508 – “Street or Road Construction,” the specific disease loading applies only to the payroll of employees in rock drilling. 3. For codes 6251 – “Tunneling” and “Shaft Sinking,” the specific disease loading applies only to the payroll of employees engaged in rock drilling and to any others who are exposed to silica dust. 4. For code 1803 – “Stone Cutting or Polishing,” the specific disease loading shall be reduced 50% when materials containing more than 5% free silica are restricted to sludge used for cutting or polishing. IV. Supplementary Disease Rates A. Explanation Supplementary disease rates shown on the rate pages reflect hazards involved in foundry, abrasive or sandblasting operations. B. Foundry Hazards Supplementary disease rates for codes 0065 – “Incidental Foundries - steel,” 006 – “Incidental Foundries - non ferrous metals” and 0067 – “Incidental Foundries – iron” shall be applied to the payroll of employees exposed to the foundry hazard, except employees assigned to codes 3081, 3082, 3085, 3093 and 3175. C. Abrasive or Sandblasting Hazards The supplementary disease rate code 0059 – “Abrasive or Sandblasting” shall be assigned to the payroll or employees exposed to such hazards. Modified, 1 CMC 3806(f). History: Adopted 25 Com. Reg. 20860 (Aug. 22, 2003); Proposed 25 Com. Reg. 20261 (July 15, 2003).

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Source: CNMI Law Revision Commission