Class Code: 8235

Per NCCI's Scopes Code Description:

 Code 8235 is applied to insureds engaged exclusively in buying, selling, and distributing sash, doors, or finished millwork. These products are typically made from wood or lightweight metal such as aluminum. Such operations may include the incidental sale of associated hardware and other items related to the sale of millwork. Showrooms operated by risks classified to Code 8235 are included under this classification.

Code 8235 is applied to insureds engaged exclusively in buying, selling, and distributing kitchen cabinets and other assembled millwork products. If an insured does not deal exclusively in kitchen cabinets and other assembled millwork products, Code 8017—Store—Retail, Code 8018—Store—Wholesale, or Code 8044—Store—Furniture may be applicable to the risk. Code 8017 or Code 8018 is applicable if a store principally (not exclusively) sells kitchen cabinets and other assembled millwork products. Code 8044 is applicable if a minor amount of these products are sold by a furniture store.

Notwithstanding the reference in Code 8235’s footnote, which indicates that this code is applicable to those who sell finished millwork exclusively, the sale of hardware and other items related to the sale of millwork by a millwork dealer is contemplated by the term “exclusively” as used in Code 8235’s footnote.

If an insured operates a store that does not deal exclusively in the items described above, standard classification rules pertaining to principal sales are used to classify the store. For example, Codes 8232 and 8058 are applicable to a building material dealer that sells an incidental amount of millwork products.

The Code 8235 dealer receives standard-sized products from outside mills or manufacturers. Some dealers store the products for resale to customers as is, while other dealers perform some incidental operations prior to resale. These operations may involve incidental assembling or glazing or incidental machine processes to change stock sizes to supply odd sizes according to customer specifications. Specialists engaged in merchandising a single product, e.g., hardwood flooring dealers or plywood dealers, also are appropriately assigned to Code 8235.

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

State Addendum
Massachusetts Code 8235 is applied to insureds engaged principally in buying, selling, and distributing assembled millwork products, which can also include kitchen cabinets. If an insured deals exclusively in kitchen cabinets and/or countertops, Code 8017—Store—Retail, or Code 8018—Store—Wholesale will apply. Code 8044 is applicable if a minor amount of kitchen cabinets and/or countertops are sold by a furniture store. Refer to Note listed under Code 8001 for the approved interpretations applicable to stores and dealers.

Rate per $100. of Renumeration: $ 3.70

Construction Exemption Required: No