Class Code: 8013

Per NCCI's Scopes Code Description:

Code 8013 applies to jewelry stores principally engaged in selling precious or costume jewelry, such as necklaces, earrings, bracelets, rings, watches, charms, lockets, pendants, brooches and similar ornamental items intended for personal adornment, whether made of metals or other materials. There are references to the word “principally” throughout the course of this scope. When used in this context, principally means more than 50% of gross receipts.

All jewelry stores, whether wholesale or retail or a combination of both, are included in this classification.

In addition to jewelry, this classification includes the minor and incidental handling of miscellaneous non-jewelry merchandise such as silverware, tableware, clocks, chinaware, glassware, trophies, small electrical appliances, giftware and leather goods.

Risks engaged in cutting or polishing precious stones, such as diamonds, emeralds, rubies, and sapphires, are assigned to Code 8013—Diamond Cutting or Polishing.

The repair or engraving of jewelry and precious stone setting when performed by a retail jewelry store for individual customers is also within the scope of this classification.

Refer to Code 3383 for jewelry manufacturing operations.

Other types of risks included in this classification are wholesale, retail or combined wholesale and retail stores which conduct the following operations, or deal in the articles listed:

   
1.    Optical Stores—optical stores that perform eye exams, treat eye diseases, and dispense eyewear are classified to Code 8013 when gross receipts from the sale of eyewear are more than 50%. Refer to Code 8832 when gross receipts from the sale of eyewear are 50% or less. Surface grinding of lenses to be separately rated as Code 4149. Stores that specialize in the sale of sunglasses are contemplated by Code 8013.
2.    Hearing Aids.
3.    Coins.
4.    Postage Stamps.
5.    Dealers in Precious Metals Only.

OPERATIONS NOT COVERED:

   
1.    Dealers that handle only silverware such as dishes, trays, tableware, candle holders and coffee or tea sets, are subject to the appropriate “NOC” store classification, depending on whether the sales are principally to retail customers (Code 8017) or to wholesale customers (Code 8018) (Wisconsin: Code 8013).
2.    Stores principally engaged in selling a miscellany of non-jewelry items such as silverware, tableware, clocks, chinaware, glassware, trophies, small electrical appliances, giftware or leather goods are assigned to the appropriate “NOC” store classification depending on whether the sales are principally to retail customers (Code 8017) or to wholesale customers (Code 8018) (Wisconsin: Code 8013).

Repair work principally performed for other dealers must be assigned as follows:

   
1.    Repair of Jewelry to Code 3383—Jewelry Mfg.
2.    Repair of Watches to Code 3385—Watch Mfg.
3.    Repair of Clocks to Code 3385—Clock Mfg.

An example of the above may be a jewelry store that repairs jewelry for retail customers and dealers. If more than 50% of total receipts for repair work are derived from repair work performed for dealers, then payroll for employees for performing this repair work is assigned to either Code 3383 or 3385. If 50% or less of receipts generated for repair work are derived from repair work performed for dealers, then this work is considered incidental to store operation and is assigned to Code 8013. Please note, the foregoing refers to receipts for repair work only. Receipts derived from other sales are not considered when making this determination.

Note:  Refer to Note listed under Code 8001 for underwriting guidelines that are applicable to stores and dealers.

State Addendum
Massachusetts Massachusetts Ophthalmologists are physicians and as such are classified to Code 8832. Optometrists, although not licensed physicians, are also classified to Code 8832. 246CMR.3.03 limits the practice of optometry exclusively to professional settings such as a professional offices, hospitals or clinics, etc. and prohibits optometrists from being employed by opticians or any mercantile establishment. Accordingly, the dispensing of optical goods by any optometrist or ophthalmologist is considered to be incidental and assigned to Code 8832. By contrast, opticians do not qualify for assignment to Code 8832 and are classified to Code 8013—Optical Stores—surface grinding of lens to be separately rated as Code 4150—Optical Goods Mfg. NOC.

The surface grinding of lenses to prescription by optical stores is assigned to Code 4150—Lens Mfg., not Code 4149. Code 4149 is not available (N/A MA).

Refer to Codes 8017 and 8018 for stores and dealers specializing in the sale of coins and postage stamps and precious metals.

Note:  Refer to Note listed under Code 8001 for the approved interpretations applicable to stores and dealers.

Rate per $100. of Renumeration: $ 0.31

Construction Exemption Required: No