NH workers’ compensation insurance rates are affected greatly by employee classifications, so ensuring that each of your employees is properly coded is crucial. Your business should have one primary classification. Outside sales, clerical employees and, in some states, drivers, need to be classified with a separate code.
When preparing for a workers’ comp audit, it’s important to understand that any items the auditor cannot classify quickly with a lower-rated code will remain in the governing code. This may result in charges due to the improper classification of employees who should be in standard class exemption groups common to all industries, such as clerical and outside sales. In addition, this may affect employees who could be considered for a lower industry code, including those in the manufacturing, retail and wholesale industries that all have multiple class codes. Auditors may also accidentally include corporate officers, who should be excluded, or may not remove excluded remunerations that should be deducted from payroll before calculating your premium liability.
Rely on Your Insurance Agent as a Resource
The improper classification of just one employee could cost your company hundreds, if not thousands of dollars, which is why it’s crucial to have an insurance agent that you can rely on to guide you through this process. A dependable and knowledgeable agent will take the time to analyze each of your employee’s job functions to ensure proper classification. With all of your employees properly coded, you can rest assured knowing that your business will receive the most accurate workers’ compensation insurance premium.
At Eaton & Berube, we’ve been handling this critical type of coverage for New Hampshire businesses for more than 70 years. Our agents have the knowledge and experience you can count on to ensure that you receive the best possible NH workers’ compensation insurance rates for the coverage you require.
In addition to Nashua where our office is located, we are pleased to provide workers’ compensation insurance in Hudson, Hollis, Brookline, Litchfield, Amherst, Milford, Merrimack, Bedford, Manchester, Concord, Goffstown, Derry, Salem, Londonderry, Windham, Wilton, Mont Vernon, and all of New Hampshire. For additional information or to get a free workers’ comp insurance quote, call us today at 603-882-2766, or submit our online quote form.
More specifically, we have had two workers’ compensation issues arise, and the personal attention we received from Marc (Berube) exceeded our expectations in every way. Marc went above and beyond in helping us navigate our way through the workers’ comp system, from attending Labor Department hearings with us to helping us keep our Experience Modification factor at a beneficial level. In handling these issues, Marc jumped to our aid and helped us as if we were a family member instead of a customer – service that we have never received from an insurance agency before.
Aside from our insurance policies, we also appreciate Eaton & Berube designing informative seminars on behalf of their clients, like the one we attended on the Employee versus Sub-Contractor “dilemma”. It’s great to see a business truly care about protecting its customers’ interests.
We would recommend Eaton & Berube as a valuable advisor without hesitation. The sample employment and safety policies our agents have customized for us are fantastic! And when it comes to day-to-day requests, like when we need certificates of insurance or have a question about a policy, we always receive quick responses from our agents Jeanette, Gail & Judi. This allows us to focus on running our own business."
Michael and Thomas Siciliano, Owners
Siciliano Landscape Company, Inc.
36 Route 101-A
Amherst, NH 03060