Occupation Class

ACE Delight Enhanced - Personal Accident Insurance Occupation Class 

Classifications are reported largely by the applicant's occupation and duties performed. Although for certain occupations the classifications may be lower than for occupations with seemingly the same exposure because of other factors. When referring risks, this table must be used to classify occupations regardless of any local market classifications. Here is a brief analysis of the principle characteristics in each group:

Class 1
For any occupation not listed, feel free to contact us at 6271 xxxx for further clarification.
Occupations found in this class are the least hazardous of all. In this class will be found most white "collar workers" and personnel whose duties are office related, but not subject to other factors that would increase their risk. The most frequently written risks in this classification would be:
Office Manager Office Admin Housewife Insurance Broker/Agent Jeweler Lawyer/Attorney Museum Worker (non-manual) Nurse Office manager and employees Optician Personnel Agency Photographer (Studio only) Physiotherapist Quantity Surveyor Religious Organization Salesman (city, not traveling a territory) School Teacher (not Woodwork) Securities Commodities and services Stationer Stock Broker Surgeon (If Continental Scale, Class 2) Tailor Tobacconist    Sales & marketing who do not make deliverires	Accountant Advertiser Architect Artist (Commercial) Attorney Auctioneer Baker (shop only) Banker Chemist Chiropodist Clergyman Clerk Company Director (non-manual) Computer Analyst/Programmer/Operator Credit Agencies, other than Bank Decorator Dentist Doctor Draftsman Estate Agent Hairdresser
Class 2
For any occupation not listed, feel free to contact us at 6271 xxxx for further clarification.
In this class will be found ''white collar" workers also, but whose occupations are subject to certain factors, making them more hazardous than Class 1. Some of the risks in this class involve very light manual labor (excluding those who use machinery). The most frequently written risks in this classification would be:
Aviation Industry Manufacturing Baker (working in Bakery) Beautician Bookbinder Boot and Shoe Maker/Repairer Builders Merchant (on own premises only) Chauffeur Cleaner (offices-light) Communication Services (Radio & TV) Computer Manufacturing Confectioner Dairyman (not manual) Dancing Instructor Driving Instructor Drug Manufacturing Engineering Fruit Merchant Funeral Director Furnisher	General Store Worker (unless listed elsewhere) Grocer Hotel Proprietor Marine Surveyor Office Machinery Optical Goods Manufacturing Pawnbroker Printer (not operating presses) Research & Development Lab Worker Salesman (Public markets & traveling) Salesman (Public markets & traveling) Scientific Instruments and Related Products Manufacturing Surveyor Textile Merchant Theater Staff Upholster Veterinary Surgeon Wine Merchant
Class 3
For any occupation not listed, feel free to contact us at 6271 xxxx for further clarification.
In this class will be found industrial workers, most of whom are skilled or semi-skilled workers, some of whom use machinery. The occupational hazard in this group, despite safety prevention measures in industrial plants and elsewhere, creates a hazard greater than Class 2. In this group also win be found petrol station attendants; farmers who do not do manual labor; carpenters (excluding those who use power driven woodworking machinery); and taxi drivers.  The most frequently written risks in this classification would be:
Brewery Workers   Butcher (not Slaughtering) Carpenter (excluding power driven woodworking machinery) Cleaner (industrial) Coal Merchant Cutlery (Hand Tools, General Hardware Fixtures, Gas Burners and Stove Manufacturing) Dairyman (manual) Driving (local) Dry Cleaner (working w/chemicals and driving) Electric, Gas and Water Utilities (Repair and Maintenance) Electrical and Electronic Goods (Manufacturing) Electrician Farmer (not manual) Food and Drink Industry (Manufacture) Furniture & Fixture Manufacturing Gardener (jobbing. landscape excluding use of explosives) Gas Fitters	General Manufacturing (skilled and semi-skilled workers only)   Glazier and Glass Manufacturing (excluding mining and quarrying) Government Workers (excluding Plumbing) Police & Firemen Household Appliances Manufacturing Laundry Staff Leather and Fur Trade Linen Supplier Metal Cans & Shipping Containers Manufacturing   Motion Picture Industry Motor Vehicle Painter Petrol Station Attendant Plumber Printer (operating presses) Restaurant Taxi Driver Textile Manufacturing
Class 4
For any occupation not listed, feel free to contact us at 6271 xxxx for further clarification.
This class consists, for the most part, of industrial workers who use heavy machinery and unskilled laborers. Hazardous occupations also found in this group are police and fire fighters. The most frequently written risks in this classification would be:
Agricultural Chemicals and Fertilizer Manufacturing Bri?klayer Builder Butcher (including Slaughtering) Cattle Dealer Chemical Manufacturing Construction Crane Operator (excluding tower cranes) Drinking Establishments Engines, Farm and Construction	Petroleum and Coal products (refining gas, asphalt and lubricating oils) . Pipeline Construction Police and Fire Fighters Pottery Manufacturing Railway Workers Rubber Industry (Manufacturing and Processing) Steel Manufacturing Transportation Equipment Manufacturing (Railroad, Ships, Motorcycles} etc.} Unskilled laborers Welderer Window Cleaner Woodworking Industry (excluding tree felling)