Workers' Compensation Default Values

 

The table below lists the AIR default rates for the percentage of covered employees who will be at the location during the specified times.

Occupancy rates also vary with the day of the week. The occupancy times are assumed for Monday through Saturday. Occupancy rates for Sunday are assumed to be 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, 400-series codes)

0.10

0.80

0.50

Other (incl. unknown)

0.02

0.98

0.50

 

Personal Accident Default Values

The following table lists the AIR default rates 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

Commercial (codes 311-320)

0.98

0.02

Industrial (codes 321-330, 400-series codes)

0.80

0.10

Other (incl. unknown)

0.98

0.02

 

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Touchstone 3.0 Updated December 02, 2016