Class Code: 4251
Per NCCI's Scopes Code Description:
Code 4251 is applied to insureds engaged in the manufacture of stationery and loose-leaf ledgers or notebooks. Cardboard, binders’ cloth, leather or imitation leather, canvas, paper, glue, paste, gold leaf, printing and ruling ink, metal rings, posts, screws, separators or fittings are received from others. Cardboard is cut to size and covered with leather, imitation leather or cloth by gluing, pasting and some sewing. Covers are reinforced by stripping. Some are embossed in ink or gold leaf and the appropriate fittings are attached to complete the binders. Fillers for the binders and other stationery products are manufactured from paper that is cut to size on manual or power cutters. Special shapes are made on blanking machines with the aid of cutting dies. The operations are generally automatic and include ruling, printing, folding, gluing, trimming, perforating, punching and rounding of corners.
Writing tablets or pads, ruled forms, file binders, desk pads, order books, index cards, paper labels, envelopes, coin wrappers and currency straps are some of the products falling within the scope of Code 4251. Code 4251 also is applied to insureds engaged in the preparation of inked ribbon and the manufacture of typewriter ribbon and carbon paper. Silk cloth in the form of narrow ribbon or broadcloth, various grades and colors of ink and paper are received from others. The operations consist of ink mixing and grinding, ribbon cutting, ink coating, reel winding and packing. Carbon paper, after coating, is cut to size and packed.
The manufacture of sample books is additionally assigned to Code 4251. An example of this operation is the assembly of carpet catalogs. These books may contain an actual carpet sample glued to a piece of cardboard, which forms a page in the book, along with information pertaining to the carpet such as cost and available colors.
The following points out the differences between a stationery manufacturer (Code 4251) and a printer (Code 4299).
The stationery manufacturer makes products such as notebooks, envelopes, index cards, paper (stationery) and other related goods generally used for writing purposes. They may do printing on their own manufactured goods. This type of printing is a General Inclusion. (Refer to Code 4299 or Basic Manual Rule 1-B-3 for additional information.) The stationery manufacturing operation then is best described as a business in which the main operation is the manufacture of paper goods of the type described above.
The main business of the print shop is printing for the general public. The print shop may engage in certain activities related to the preparation of paper but this preparation of paper (as opposed to the stationery manufacturing operation) is minor in relation to the main operation of the business, which is printing for others.
Code 4251’s wording indicates that this code shall not be assigned to a risk engaged in operations described by another classification unless the operations subject to Code 4251 are conducted as a separate and distinct business. This restriction is primarily intended to prohibit the assignment of this code to printers who, in addition to printing operations performed for the general public, engage in certain activities such as cutting, gluing, punching and trimming paper.
Massachusetts Refer to Code 4307 for insureds engaged in the manufacture of sample books. The stationery manufacturer makes products such as notebooks, envelopes, index cards, paper (stationery) and other related goods. They may do printing on their own manufactured goods. This type of printing is a General Inclusion. Refer to Code 4299 or MA Manual Rule IV-B-3 for additional information regarding “General Inclusions.”