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  "contentVersion": "2026.08.31",
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  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
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  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "In the Matter of the Appeal of E M Machining, from a Decision of the Workers' Compensation Insurance Rating Bureau, File ALB-WCA-00-30, Proposed Decision",
  "publisher": "California Department of Insurance, Administrative Hearing Bureau",
  "url": "https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/upload/E-M-Machining.pdf",
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  "jurisdiction": "CA",
  "publishedDate": "unknown",
  "effectiveDate": "n/a",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "Adjudicative record; not updated. Rate figures and Plan section citations reflect the 2000 edition of the Plan.",
  "status": "active",
  "supportsClaims": [
    {
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      "checksum": "4ad6ecbf0d50",
      "text": "The document is captioned PROPOSED DECISION, is dated October 23, 2001, and closes with the administrative law judge stating that he submits the proposed decision and recommends its adoption as the decision of the Insurance Commissioner of the State of California."
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    {
      "claimId": "cdi-ahb-em-machining-2001#c2",
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      "checksum": "befca45ed412",
      "text": "Footnote 1: the WCIRB is a rating organization licensed by the Insurance Commissioner under Insurance Code section 11750 et seq. to assist the Commissioner in the development and administration of workers' compensation insurance classification and rating systems, and the WCIRB serves as the Commissioner's designated statistical agent for the purpose of gathering and compiling experience data developed under California workers' compensation and employers' liability insurance policies (Ins. Code 11751.5)."
    },
    {
      "claimId": "cdi-ahb-em-machining-2001#c3",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-ahb-em-machining-2001#c3",
      "checksum": "2c9407c826d3",
      "text": "The decision states that generally it is the business of the employer within California that is classified, not the separate employments, occupations or operations within the business, citing the Plan, Part 3."
    },
    {
      "claimId": "cdi-ahb-em-machining-2001#c4",
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      "checksum": "508c0f780f6c",
      "text": "Footnote 7: rate, as used in the Plan, means the cost of the insurance per unit of exposure (payroll) prior to any application of individual risk variations based on loss or expense considerations applicable to an insurer's classification."
    },
    {
      "claimId": "cdi-ahb-em-machining-2001#c5",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-ahb-em-machining-2001#c5",
      "checksum": "d2abfb41bf52",
      "text": "The decision states that the rate for each classification reflects the payroll data and loss history associated with the particular operations assigned to that classification, so that if the operations assigned to a classification have a high loss history the rate for that classification will tend to be higher."
    },
    {
      "claimId": "cdi-ahb-em-machining-2001#c6",
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      "checksum": "422a3623d837",
      "text": "Footnote 8: under the 2000 version of the Plan, the pure premium rate per $100.00 of payroll for classification 0106, Tree Pruning Repairing or Trimming, is $31.86, and the pure premium rate for classification 8810, Clerical Office Employees, is $.76."
    },
    {
      "claimId": "cdi-ahb-em-machining-2001#c7",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-ahb-em-machining-2001#c7",
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      "text": "Footnote 6: an insurer may develop and file with the Department of Insurance its own classification system upon which a rate may be made, or may alternatively incorporate the WCIRB's classification system and develop rates based on the pure premium rates in the Plan; in any event the insurer's rate filing is subject to the Commissioner's disapproval (Insurance Code section 11734(b))."
    },
    {
      "claimId": "cdi-ahb-em-machining-2001#c8",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-ahb-em-machining-2001#c8",
      "checksum": "08599ff12210",
      "text": "The carrier's underwriting department contacted the WCIRB and requested that the WCIRB conduct a physical inspection of the employer's plant to verify whether the operations were properly assigned; following its inspection the WCIRB issued a Classification Inspection Report dated August 4, 2000, and later a second Classification Inspection Report, reassigning the operations."
    },
    {
      "claimId": "cdi-ahb-em-machining-2001#c9",
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      "checksum": "18385679f77f",
      "text": "Under California Code of Regulations, title 10, section 2509.61(a), a party has the burden of proof as to each fact the existence or nonexistence of which is essential to the claim for relief or defense that he or she is asserting."
    },
    {
      "claimId": "cdi-ahb-em-machining-2001#c10",
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      "text": "The administrative law judge concluded that the WCIRB met its burden by showing the end product, employee skills, raw materials and type and use of equipment were more like those of the compared industry, and ordered that the WCIRB's determination assigning the employer's operations to classification 3643(1) is affirmed."
    },
    {
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      "text": "The decision records that the carrier initially charged the employer $2.17 per $100.00 of payroll under classification 3681 and that the rate was raised to $4.57 per $100.00 of payroll after reassignment to classification 3643(1), so that the employer's premium more than doubled."
    }
  ],
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    {
      "kind": "Question",
      "title": "How do workers compensation class codes affect a quote?",
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  "citation": {
    "text": "California Department of Insurance, Administrative Hearing Bureau. \"In the Matter of the Appeal of E M Machining, from a Decision of the Workers' Compensation Insurance Rating Bureau, File ALB-WCA-00-30, Proposed Decision.\" unknown. https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/upload/E-M-Machining.pdf (retrieved 2026-08-31).",
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    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
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