TREE PRUNING

Estimated 2026 Premium Examples

Based on typical assumptions: LCM 1.50 · EMR 1.00 · 100/500/100 employer liability limits. Actual premiums will vary by carrier and individual risk factors.

* Assumes LCM 1.50 · EMR 1.00 · Exp. constant $350 · PA Act 57 assessment 2.18%

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About Class Code 005: TREE PRUNING

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How to Reduce Your Workers' Comp Premium for This Code

Hazard Group F covers high-hazard operations — steel fabrication, foundries, heavy industrial processes, and similar environments with high injury frequency and severity.

• Engage a dedicated loss control consultant annually
  Group F operations generate both high-frequency and high-severity claims. The ROI on a professional loss control engagement — typically $3,000–$8,000 — is almost always positive because even a modest reduction in claim frequency at Group F loss cost rates translates to significant premium savings at renewal.
• Manage open claims aggressively with a nurse case manager
  In high-hazard operations, the severity of open claims is the biggest driver of EMR increases. Assigning a nurse case manager to all lost-time claims within 72 hours — to coordinate medical care, advocate for return-to-work, and prevent claims from lingering open — is one of the highest-ROI claim management strategies for Group F employers.
• Consider captive insurance or group self-insurance if you meet the financial thresholds
  Pennsylvania allows large employers and groups to self-insure workers' comp if they meet financial requirements. Group F employers who have invested in safety and have favorable loss histories often find captive or group self-insurance programs — where they retain underwriting profit — more cost-effective than guaranteed-cost policies that pool them with worse performers.
• Document every safety investment for insurer underwriting submissions
  Group F risks receive individual underwriting attention. Carriers price Group F accounts based heavily on the quality of your safety program documentation. A comprehensive safety submission — including OSHA 300 logs, safety training records, incident investigation reports, and loss control program descriptions — can be the difference between a favorable LCM and a restricted placement.