Workers' compensation default values
This topic lists default values for workers's compensation:
The following table lists Touchstone default occupancy rates for the percentage of covered employees at a location during specified times. Occupancy rates vary with the day of the week. Assumed occupancy times are Monday through Saturday. Assumed occupancy rates for Sunday are the same as the nighttime rates shown. Holidays are handled like any other day.
|
Occupancy Category |
Night (7 pm - 6:59 am) |
Day (9 am - 4:59 pm) |
Commute (7 am - 8:59 am, 5 pm - 6:59 pm) |
|---|---|---|---|
|
Residential (codes 301-310) |
0.99 |
0.80 |
0.95 |
|
Commercial (codes 311-320) |
0.02 |
0.98 |
0.50 |
|
Industrial (codes 321-330, Industrial Facilities (400-series codes) |
0.10 |
0.80 |
0.50 |
|
Other (including unknown) |
0.02 |
0.98 |
0.50 |
Personal accident default values
The following table lists Touchstone personal accident default values for the percentage of covered employees who will be at the location during the specified times:
|
Occupancy Category |
Morning (6 am - 5:59 pm) |
Night (6 pm - 5:59 am) |
|---|---|---|
|
Residential (codes 301-310) |
0.80 |
0.99 |
|
Industrial (codes 321-330, Industrial Facilities (400-series codes) |
0.98 |
0.02 |
|
Industrial (codes 321-330, Industrial Facilities (400-series codes) |
0.80 |
0.10 |
|
Other (including unknown) |
0.98 |
0.02 |