DO

• Do read the Help, FAQ and 'Do's and Don'ts' before filling out the paper application.

• Verify that everything required is completed and filled out on the application. It is your responsibility to submit a complete and accurate application. If items are not complete, the application may be rejected.

• Carefully review your application before sending it to the Rating Board. Please check your information for completeness and accuracy. If anything is found to be missing or incomplete, it cannot be processed.

• If your business is coming out of a Trust Company program, you must provide and indicate the new carrier information. Do not provide the name of the Trust Company instead of the carrier. If you do so the application cannot be processed.

• Remember to sign & date your application; otherwise it will be rejected and unable to be processed.

• For payroll information, only use third quarter wages and hours, unless otherwise approved by the Rating Board.

• When completing the application, please write clearly and legibly.

• For Executive Officer information, list each individual separately. For other job positions, the data can be grouped together under each code.

• Remember to apply the proper payroll cap for commercial work only and to indicate the word 'commercial' next to the code; so that the insurance carrier will know that you applied the payroll limitation. If you are engaged in residential work only, then no payroll cap is to be applied (refer to instructions for payroll cap and payroll limitation).

• Be accurate when providing your policy effective date, policy number and carrier. These are all mandatory data elements. If we have your current policy information and the effective date and policy number written on the application does not match, the application cannot be processed.

• It is required that you provide the necessary classification code number(s) on the application. If you do not know which code(s) to use, refer to your workers compensation policy for the information. The Rating Board is not able to complete this information for you.

• Send your application at least 6 months prior to the renewal policy effective date in order to assure an indication of your credit.

• If you are changing carriers at renewal, and have already sent in an application to the Rating Board, advise us of this new carrier information so that the correct carrier is properly notified.

• Send in applications together if they are combined for experience rating purposes. Otherwise you will not get the proper credit.

DON'T

• If you are submitting a re-application, make sure you complete and fill in all the information. It is not sufficient to simply attach the insurance carrier letter which declined the original CPAP application and informed you to resubmit. All information is required or it cannot be processed.

• Do not attach payroll records or tax forms with an indication on the application to "See Attached". You must transfer and fill in this information on the application. Retain your payroll records.

• Do not submit the application using multiple means of transmission. Only submit via mail OR email OR Fax.

• Do not expect a credit indication if you have not submitted your application on time. (See application instruction NOTES).

• Do not contact the Rating Board unless you are the authorized representative of the insured. Otherwise a Letter of Authority is needed on the insured's letterhead authorizing the Rating Board to release this information to you.

• Do not use hourly or weekly wages on the application. You must use only totals from the 3rd quarter of the calendar year.

• Do not send or submit incomplete applications. The application cannot be processed if there is missing information.

• Do not provide wages and hours without a classification code indication. If there are any wages, you must provide the classification code number on the application.

• Do not expect an immediate response when submitting your application. The Rating Board needs time to process the information and the carrier needs time to receive the credit in order to evaluate whether they will process it (approve it). The overall process requires quite a bit of turn-around-time. We ask that you be patient and to send the application in as early as you can. The Rating Board instructs that applications can be submitted 6 months prior to the policy renewal date.

• Do not send in one application for two (2) separate effective dates, such as for the current and renewal policies. In this instance, separate applications are needed.

• Do not include the Executive Officer on the application if they are excluded on the policy. If they are to be included, indicate the Executive Officer(s) and the associated hours will always be 520.

• Do not indicate Trust Company information. In this instance, you must provide the insurance carrier which is now writing the risk. The Rating Board does not recognize Trust Companies and as a result the application cannot be processed.

• Do read the Help, FAQ and 'Do's and Don'ts' before filling out either the online or paper application.

• You must fill in all required fields. The Rating Board will not fill in required fields which are left out or blank.

• Only report 3rd quarter wages and hours (July, August & September) of the calendar year.

• Executive officers are to be listed separately and indicate that they are executives. The hours to enter in this case will always be 520 hours.

• Provide the correct effective date and carrier. Refer to your WC policy. If you indicate an effective date and carrier which cannot be found in our system, the application will fail to process.

• Apply the proper payroll cap for commercial work only. Check the instructions for the proper payroll cap.

• Have available the complete policy number including both the alpha and numeric characters.

• Check the application for completeness and accuracy prior to submitting or entering data online.

• Results are provided to the insured, authorized representative and the known active carrier. If you are the insured or authorized representative, send the result to the underwriter at your insurance company. The Rating Board will also automatically send a copy to the carrier, but be aware that the specific contact could be different and could then cause a delay in receiving the credit.

• Do not keep resubmitting the same application. If you do the system will reject it saying one already exists.

• Do not use hourly or weekly wages. Only 3rd quarter wages and hours of the calendar year are to be used.

• Do not send incomplete applications. It is your responsibility to submit a complete application.

• Do not include Executive Officers if they are excluded from the policy.

• Do not leave the 'hours' field blank. If you have a classification code with wages, you must indicate the hours.

• Do not contact the Rating Board if you are not the authorized contact for the insured. A Letter of Authority is needed on the insured's letterhead for any other unauthorized contact.

• Do not expect a credit to be processed if it is not received within the proper timeframe (no later than 6 months prior to renewal for paper applications, and 3 months prior to renewal for online applications).