INTRODUCTION
Office and clerical classifications represent a significant portion of workers compensation (WC) payroll. Do risks that are entirely in the Office and Clerical industry group (IG) have similar loss experience to office and clerical employees working in businesses that belong to other IGs, such as Manufacturing or Contracting? Our research uncovers some interesting findings and primarily focuses on claim frequency experience for the largest, most reported exposure in WC: Class Code 8810—Clerical Office Employees Not Otherwise Classified (NOC).
KEY FINDINGS
- Claim frequency for policies having exposure for office and clerical classifications solely within the Office and Clerical IG is lower than claim frequency for policies having exposure for office and clerical classifications within other IGs
- For certain causes of injury, the difference in claim frequency is significantly lower
- Claim frequency for Class Code 8810 is nearly double when the governing class code is within the Goods and Services or Miscellaneous IGs as compared to policies for Class Code 8810 exposure only
- These claim frequency differences are persistent across states and policy sizes
- Cluster analysis identifies medical professionals, caregivers of the elderly, retail store employees, and building management as major contributors to the higher claim frequency differences
- Loss severity for Office and Clerical classifications is similar across all IGs, except for Contracting
- The results of the analysis are not sensitive to the choice of denominator for the frequency (payroll vs. premium) nor the types of claims analyzed (medical only vs. lost time)
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