Class 4511
Code 4511 is applicable to those insureds that, as a distinct enterprise, specialize in research or analytical problems. As noted in this classification’s footnote, Code 4511 is not available for any risk that performs operations described by another classification unless the operations subject to Code 4511 are conducted as a separate and distinct business. Thus, laboratories established for purposes of supporting an entity’s principal business are not classified to Code 4511. For example, Code 4511 is not applicable to research, development, or testing laboratories of manufacturers. Specific examples of operations not included in Code 4511 are pharmaceutical research, development, and testing operations that are performed by insureds that also manufacture pharmaceuticals.
This classification includes both laboratory and outside employees, collectors of samples, and drivers. These outside employees may engage in the collection of samples away from the lab and test samples at the collection site or test samples at the lab. In either event, these employees are classified to Code 4511, provided their employer qualifies for this code.
Code 4511 is applicable to various types of research, development, or testing laboratories in the areas of medicine, pharmacology, toxicology, microbiology, geophysical research, and metallurgy, as well as other scientific fields. Since the laboratories included in Code 4511 are not homogeneous, there may be a considerable range of hazards from the standpoint of equipment or materials used by risks classified to Code 4511.
Representative operations that have been classified to Code 4511 include soil testing laboratories; building material (concrete, asphalt) testing laboratories; petroleum testing laboratories; analyzers of sand or gravel to determine if precious stones are present; transistor testers; radiography testing laboratories and risks that sterilize medical apparatus using an X-ray process; and ordnance testers.
Assaying risks perform the qualitative or quantitative analysis of a substance, especially an ore or a drug. These risks determine the chemical components contained in a substance or measure the substance.
If these risks also perform activities encompassed by Code 8601, they are assigned to Code 8601. Merely advising a client of test results of a technical nature does not constitute assignment to Code 8601. It is the operation(s) that is performed that determines the class, not the type of reports provided.
Refer to Code 8601 for all types of research and development businesses engaged in the manufacturing of prototypes. By definition, a prototype is a model or example upon which future production of an item may be based. Those risks, regardless of how they advertise or hold themselves out to provide services, engaged in the production of a one-of-a-kind item to customer specifications (generally a tool or machinery), are properly assigned to the appropriate manufacturing class.
Independent medical testing labs that analyze medical specimens are not assigned to Code 4511. Refer to Code 8832 for laboratories engaged in testing and analyses of medical specimens for doctors and hospitals. However, testing labs that are not independent but part of a hospital, medical facility, or physician’s office must be classified to the codes applicable to these risks.
Class 4511
Includes laboratory and outside employees. Shall not be assigned to a risk engaged in operations described by another classification unless the operations subject to Code 4511 are conducted as a separate and distinct business.