What benefits do I receive for being in NCBE's group program?
What safety programs are required in writing?
The benefits include: up to a 10% discount off
your base premium, yearly claims reviews,
workers' comp liaison, workers' comp
& safety seminars at a reduced rate, receipt of NCBE's Building News and This Month, safety
program assistance, onsite safety inspections/ consultations,
training assistance, training assistance with
Spanish speaking workers, posters,
The following basic safety programs are required in writing by Cal/OSHA: Injury and Illness
Prevention Program, Heat Ilness Prevention Program, Code of Safe Practices, Hazard Communication Program, Emergency Medical
Services Plan, Emergency Action Plan (greater than 10 employees), Fire Prevention Plan
(greater than 10 employees).
Other programs that may be required in writing depending on the specific operations of a
company include: Fall Protection Plan, Confined Space Entry policy/plan, Respiratory Protection
Program, Hearing Conservation Program, Trenching/Excavating policy/procedure, etc.
What safety programs have to be onsite (on jobsites)?
For Construction the following safety programs must be onsite: Code of Safe Practices, Hazard
Communication (inventory, MSDS), Emergency Medical Services Plan must be onsite and available to
employees. It is highly recommended that the Injury and Illness Prevention Program be onsite
also, but is not required by law. Other written programs may be required depending on the
activities on the jobsite, i.e. if you are doing confined space entry, have your written
What postings are required? Do they have to be on the jobsite?
Go to the Poster page on this website for a list of required postings. Postings
are required to be posted or readily available to employees (could be in a binder as long as
employees know where it is).
What are Classifications?
The classification system within Workers' Compensation is designed to divide payroll data into groups in order to match the
premium that you pay to the average potential risk of injury. The Standard Classification System,
which contains approximately 500 industry classifications, describes groups of employers whose
businesses are relatively similar. Each classification reflects the type of operations common to
that group of employers. A pure premium rate, expressed as a rate per $100 in payroll, is
calculated by the WCIRB for each classification. The pure premium rate is based upon loss and
payroll data submitted to the WCIRB by all insurance companies, and it reflects the amount of
losses an insurer can expect to pay in benefits due to workplace injuries.
For most industries, classifications are assigned by analyzing an employer's overall California
operations and identifying one classification that describes the business as a whole. This
approach is based on the premise that, in general, employers within a specific industry
operate in a similar manner and engage in comparable processes. The resulting classification
rate reflects the average anticipated cost of medical and indemnity benefits, per every $100
of payroll, incurred by businesses within the particular industry.
The construction industry operates under the "Construction Classifications".
What is an X-mod or EMR?
X-mod is also known as “Experience Modification Factor” and is a multiplier applied to the premium or rate of a qualifying policy. It compares your claims experience with other companies similar in size and who operate in the same industry. It can be a debit (greater than 100) or a credit (less than 100), i.e. if your experience is 20% better than average (which is 1.0 or 100%) your EMR would be .80 or 80% or 20% worse it would be 1.20 or 120%. The EMR is a three-year rolling rate.