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Workers Compensation Advantage Report
About This Report
The Workers' Compensation Advantage report includes information on
incidents and hazards that may influence the risk of injury or illness at this
business. The report includes information on the activity within the
business as well as metrics that affect similar businesses in that specific
industry or region.
W&J Aluminum
1234 Carpel Rd
Maplewood NJ, 07000-3034
Northern County
1.
2.
2.1
2.2
2.2.1
2.2.2
2.3
2.4
2.5
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3.1
3.2
3.3
4.
4.1
4.2
4.3
4.4
4.5
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CONTENTS
Executive Summary
Business
Business Profile
Business Classification Information
SIC And NAICS Codes
Class Code Insights
Benchmark Ratios
Business Credit Metrics
Business Payments Information
Hazards
OSHA Inspections And Violations
Injuries, Illnesses And Fatalities
Hazardous Materials
Property
Photos
Building Characteristics
Nearby Hospitals
Likelihood of Crime
Commercial Crime Information
Business News
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EXECUTIVE SUMMARY
Business
Profile
Business Name
Business Address
Location Type
Primary SIC
NAICS
Employees at Location
Sales Volume($)
W&J Aluminum
1234 Carpel Rd, Maplewood NJ, 07000-3034
Headquarters
349701/FOIL & FOIL PRODUCTS (MFRS)
332999/All Other Miscellaneous Fabricated Metal Product
Manufacturing
10 - 15
1,000,000 - 2,000,000
Credit WorthinessBusiness Credit Score 833 Very Low Risk
Days Beyond Credit Terms 6.3 (Industry Benchmark - 6.9)
Hazards
OSHATotal OSHA Violations 7
Total Serious OSHA Violations 3
Property
BuildingTotal Building Area 40,000 sq. ft
Number of stories 1
Neighborhood
Nearest Hospital/Medical
Facility3.6 mi / 8 mins
Current Crime Index
666666 (out o f 10 ) (ou t o f 10 ) (ou t o f 10 ) (ou t o f 10 )
(Better) (Worse)
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Sales Volume (estimated in $):
Location Type (Headquarters / Branch /
Single):
1,000,000 - 2,000,000
Headquarters
States Operated in
State Number of Locations
1
1
1
CA
CT
NJ
BUSINESS CLASSIFICATION INFORMATION
Primary Business / SIC: 349701 / Foil & Foil Products (Mfrs)
Secondary Business / SIC: 829923 / Craft-instruction
Third Business / SIC: 874213 / Marketing Programs & Services
SIC AND NAICS CODES
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NAICS: 332999 / All Other Miscellaneous Fabricated Metal Product
Manufacturing
The North American Industry Classification System (NAICS) is the updated standard used by Federal statistical agencies in classifying
business establishments for the purpose of collecting, analyzing, and publishing statistical data related to the U.S. business economy. The
Standard Industrial Classification (SIC) is the original standard series created by the U.S. categorizing business activities. Understanding
NAICS and SIC classifications will help to determine the company’s business activities.
BUSINESS
BUSINESS PROFILE
W&J ALUMINUM
Business Address:
Phone:
Website:
Parent Company:
Employees:
Union Status:
Year Started:
State of Incorporation:
1234 Carpel Rd, Maplewood NJ, 07000-3034
(555) 555-5555
www.W&J555.com
W&J Aluminum, Inc.
10 - 15
Yes
1996
NJ
Business description not available for this business.
Governing Class Code
(Based on above SIC/ NAICS codes):
3076
Governing Class Swap Results
Some class codes have a higher probability of being corrected/changed at audit than others. Use the Governing Class Swap analysis to
help avoid misclassification by leveraging industry benchmark data on the historical rates of a particular governing class code being
changed during the audit process. This analysis shows how often a governing class code changes during the audit process and to what
class code it often changes to. It also provides insights on how that change impacts premium. A high occurrence of class code changes
and/or a large impact on premium may warrant further investigation to confirm the proper business classification is used at policy inception.
CLASS CODE INSIGHTS
Percentage Impact on Premium
Perc
enta
ge o
f O
ccur
renc
e
Code 5535Code 5535Code 5535Code 5535
Code 5102Code 5102Code 5102Code 5102
Code 2802Code 2802Code 2802Code 2802
Code 8018Code 8018Code 8018Code 8018Code 3629Code 3629Code 3629Code 3629 Code 9014Code 9014Code 9014Code 9014
-10% 0% 10% 20% 30% 40% 50% 60%0.1%
0.2%
0.3%
0.4%
0.5%
0.6%
0.7%
0.8%
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Class Code Class Description % of Occurrence % Impact on Premium
3076 G Sheet Metal Products Mfg.-shop Only 95.8% 6.8%
5535 Sheet Metal Work-installation & Drivers 0.7% 9.2%
5102Door, Door Frame Or Sash
Erection-metal Or Metal Covered0.5% 20.3%
2802Carpentry-shop Only-& Drivers (N/a Fl,
Va)0.3% 41.0%
8018 Store: Wholesale Noc 0.2% 10.9%
3629 Precision Machined Parts Mfg. Noc. 0.2% -1.9%
9014
Janitorial Services By Contractors-no
Window Cleaning Above Ground Level &
Drivers
0.2% 54.0%
Other Remaining
Classes Combined2.2% 29.6%
G Governing Class Code
Companion Class Results
Use the Companion Class analysis to compare the most common class codes associated with the payroll of the governing class code also
use the Companion Class analysis to determine if a payroll class is missing from the application. If certain class codes are not on the
application or the percentages allocated are outside of the provided industry benchmarks then the underwriter may want to further
investigate this aspect of the application.
% Of
Observations
Class
Code
Class Description % of Payroll
100.0% 3076 G Sheet Metal Products Mfg.-shop Only 59.3%
83.3% 8810 Clerical Office Employees Noc 27.6%
45.9% 8742 Salespersons Or Collectors-outside(n/a Ma) 13.0%
22.3% 7380Drivers, Chauffeurs, Messengers, And Their Helpers
Noc-commercial(n/a Ma)5.7%
4.7% 5535 Sheet Metal Work-installation & Drivers 8.2%
3.9% 5102Door, Door Frame Or Sash Erection-metal Or Metal
Covered7.5%
3.6% 3724Machinery Or Equipment Erection Or Repair Noc &
Drivers.9.1%
2.2% 8018 Store: Wholesale Noc 7.8%
G Governing Class Code
BENCHMARK RATIOS
This location
Sales Volume / Employee $134,000
$85,000
25%
Payroll / Employee
Industry benchmark
$211,000
$45,000
21%Payroll / Sales Volume
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BUSINESS CREDIT METRICS
The business legal structure should match application information. Lien filings, a poor credit score, and unfavorable credit benchmarks can
highlight risky credit behavior indicative of business insolvency or concerning management efficiency.
Legal Structure
W&J Aluminum
W&J Aluminum, Inc.
0
Legal Name:
Business Linkage (Parent Company):
Bankruptcy Filings:
Tax Liens: 7
Credit Score (Credit Risk)
The Credit Risk Score measures the overall credit worthiness of this business. The lower the score the greater the odds that the company
will have financial stress within the next twelve months.
This company's credit rating over past 12 months
Very High
Risk
High Risk Moderate
Risk
Low Risk Very Low
Risk
<410 410 - 509 510 - 629 630 - 729 730+
0 900
833833833833
765765765765
825825825825 825825825825 825825825825 825825825825 825825825825 825825825825 825825825825 825825825825786786786786
834834834834 833833833833
Dec-2
015
Jan-2
016
Feb-
2016
Mar-20
16
Apr-2
016
May-2
016
Jun-2
016
Jul-2
016
Aug-2
016
Sep-
2016
Oct-20
16
Nov-2
016
0
300
600
900
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Relative Credit Grading
Peer Group Definition
Industry: Manufacturing
Number of Employees: 50 - 99
Number of Employees: 50 - 99
Industry: Manufacturing
The Relative Credit Grading compares a business’s credit worthiness with peer businesses as defined by industry and size. The higher the
grading, the greater the odds that management effectiveness may be a concern.
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(Better) (Worse)
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(Better) (Worse)
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(Better) (Worse)
Credit Benchmarks
This Business Industry Benchmark
Days Beyond Payment Terms 6.3 6.9
Percentage of debt reported current 71% 79%
Percentage of debt 90+ days past due 1% 2%
A standard of business payment practices compared against other businesses in the industry. Credit benchmarks are an indicator of the
business’s payment behavior and debt past due to provide insights into their credit risk.
BUSINESS PAYMENTS INFORMATION
Business Payments Information describes a company’s payment behavior over the past 3 months by segments and payment verticals.
Companies often continue to pay in a similar manner unless conditions change. The distribution of expenditure among various payment
segments help uncover inconsistencies in business classifications as well as identify potential hidden exposures.
REPORTED PAYMENT BEHAVIOR BY INDUSTRY SEGMENT
Purchasing behavior may help uncover inconsistencies in business classification
TOTAL BALANCES BY CATEGORY
Industry Segment Balance
Transportation $249,326
Materials $689,834
Operations $251,211
Other $118
Total reported balances $1,190,489
Transportat ion:Transportat ion:Transportat ion:Transportat ion:21%21%21%21%
Materials:Materials:Materials:Materials:58%58%58%58%
Operations:Operations:Operations:Operations:21%21%21%21%
Other:Other:Other:Other:0%0%0%0%
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TRANSPORTATION
Balance
$148,874
$57,995
$13,589
$12,518
$10,221
$6,129
Expenditure Category
Truckload
Transportation Services
Leasing
Less Than Truckload Shipping
Transportation Supplies
Fuel
Air $0
Total reported balances $249,326
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Truckload Shipping:Less than 5%
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TTTTrrrraaaannnnssssppppoooorrrrttttaaaattttiiiioooonnnn SSSSuuuupppppppplllliiiieeeessss::::4444%%%%
TTTTrrrraaaannnnssssppppoooorrrrttttaaaattttiiiioooonnnn SSSSeeeerrrrvvvviiiicccceeeessss::::22223333%%%%
MATERIALS
Expenditure Category Balance
Chemicals $247,689
Electronics $142,390
Building - Other $102,001
Plastics $85,940
Other Materials $76,197
Building - Electrical $29,693
Building - Roofing & Siding $2,985
Packaging $2,024
Metals $915
Building - HVAC $0
Building - Plumbing $0
Total reported balances $689,834
OPERATIONS
Expenditure Category Balance
Industrial Supplies $86,126
Industrial Equipment $72,966
Business Services $64,042
Hardware $27,471
Office Supplies $606
Total reported balances $251,211
Chemicals:Chemicals:Chemicals:Chemicals:36%36%36%36%
Bui lding - E lectr ical :Bui lding - E lectr ical :Bui lding - E lectr ical :Bui lding - E lectr ical :4%4%4%4%
Electronics:Electronics:Electronics:Electronics:21%21%21%21%
Bui ld ing - Other :Bui ld ing - Other :Bui ld ing - Other :Bui ld ing - Other :15%15%15%15%
Other Materials:Other Materials:Other Materials:Other Materials:11%11%11%11%
Plastics:Plastics:Plastics:Plastics:12%12%12%12%
Bui ld ing - Roof ing & S id ing:Bu i ld ing - Roof ing & S id ing:Bu i ld ing - Roof ing & S id ing:Bu i ld ing - Roof ing & S id ing:0%0%0%0%
Business Services:Business Services:Business Services:Business Services:25%25%25%25%
Hardware:Hardware:Hardware:Hardware:11%11%11%11%
Industr ial Equipment:Industr ial Equipment:Industr ial Equipment:Industr ial Equipment:29%29%29%29%
Industr ial Supplies:Industr ial Supplies:Industr ial Supplies:Industr ial Supplies:34%34%34%34%
Office Suppl ies:Off ice Suppl ies:Off ice Suppl ies:Off ice Suppl ies:0%0%0%0%
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OTHER
Balance
$118
Expenditure Category
Apparel & Outdoors
Financial Services $0
Total reported balances $118
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HAZARDS
OSHA INSPECTIONS AND VIOLATIONS
Occupational Safety and Health Administration (OSHA) data reported since January 2005. OSHA reports provide data about establishment-
specific inspections, violations, days taken to repair and penalties applied to this business at this address.
INSPECTION ON 2014-06-02
Activity Number: 310775523
Report ID:
Open Date:
Company Name As Stated:
Site Address:
0729700
2014-06-02
W&J Aluminum
1234 Carpel Rd, Maplewood NJ 07000-3034
SIC Code Reported By OSHA: 3497
Union Status: Yes
Inspection Type: Planned
Owner Type: Private
Inspection Scope: Complete
Safety/Health: Safety
Advanced Notice: No
Close Conference Date: 2014-06-02
Close Case Date: 2014-08-29
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Violation Summary
Initial Violations Initial Penalty Current Violations Current Penalty FTA Amount
Serious 3 $16,830 3 $14,000 $0
Willful 1 $54,450 1 $43,560 $0
Repeat 0 $0 0 $0 $0
Other 3 $990 3 $800 $0
Total 7 $72,270 7 $58,360 $0
Violations
ID Type Standard Issuance Abatement Current Initial Fta Contest
03001C Other19101020 G01 III - Access to employee
exposure and medical records.2014-06-11 2014-06-25 $0 $0 $0 2014-07-02
01001 Serious19100023 C01 - Guarding floor and wall
openings and holes.2014-06-11 $4,200 $4,950 $0 2014-07-02
01003 Serious 19100095 K01 - Occupational noise exposure. 2014-06-11 2014-07-02 $4,200 $4,950 $0 2014-07-02
01002 Serious 19100095 G05 II - Occupational noise exposure. 2014-06-11 2014-07-24 $5,600 $6,930 $0 2014-07-02
03001B Other19101020 G01 II - Access to employee
exposure and medical records.2014-06-11 2014-06-25 $0 $0 $0 2014-07-02
02001 Willful 19100095 G06 - Occupational noise exposure. 2014-06-11 2014-07-24 $43,560 $54,450 $0 2014-07-02
03001A Other19101020 G01 I - Access to employee
exposure and medical records.2014-06-11 2014-06-25 $800 $990 $0 2014-07-02
INJURIES, ILLNESSES, AND FATALITIES
Data from Census of Fatal Occupational Injuries (CFOI) and Survey of Occupational Injuries and Illnesses (SOII) regarding work-related
injuries and illnesses in similar work places in that industry.
Nonfatal Occupational Injury and Illness Incidents
The annual rate of Fatal work injuries per 100,000 full-time equivalent workers.
Incidence Rate is the number of injuries and illnesses per 100 full-time workers.
Days away from work cases include those that result in days away from work (does not include job transfer or restriction)
Injuries, Illnesses, and Fatalities for NAICS: 332999
Specific for the State of: NJ
Fatal Occupational Injuries Rate: N/A
Non-Fatal Injury and Illness Incidence Rate: 5.2
Injury and Illness Cases with Days Away from Work Rate: 1.1
5 .25 .25 .25 .2
1 .11 .11 .11 .1
Tota l Recordab le CasesTota l Recordab le CasesTota l Recordab le CasesTota l Recordab le Cases Days Away f rom WorkDays Away f rom WorkDays Away f rom WorkDays Away f rom Work
Nonfatal Incidents
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HAZARDOUS MATERIALS
Data for the business address is from the National Response Center (NRC). NRC provides information about oil spills of “extremely hazardous
substances” based on the acute lethal toxicity of over 650 toxic chemicals that pose a threat to human health and the environment. U.S.
facilities that manufacture, process, or otherwise use these chemicals in amounts above established levels must report how each chemical is
managed through recycling, energy recovery, treatment, and environmental releases.
No
No
Toxic Shipments Received:
Incidents in Last 3 Years:
Incident Type: N/A
PHOTOS
Front 3/13/2009 Overhead
White Border Is The Parcel Boundary Of The Property
11/6/2015
North 11/9/2015 East 11/6/2015
South 11/6/2015 West 9/29/2013
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PROPERTY
UPDATED: 03/17/2015BUILDING CHARACTERISTICS
Construction class: 4 (Masonry Non-Combustible)
Year Built: 2000
Number of Stories: 1
Square Footage: 40,000 sq. ft
HOSPITALS WITHIN A 5 MILE RADIUS
Hospitals
Distance Drive Time
Haskell Health Center 3.6 mi 8 mins
Watkins Memorial Health Center 4.8 mi 13 mins
Acumen Institute 4.9 mi 11 mins
Existence of a medical facility does not guarantee availability of all essential emergency/treatment options. Distant to hospital is irrespective
of any obstructions.
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LIKELIHOOD OF CRIME
Crime analytics identifies the potential risk of crimes for ten crime types as well as an overall risk score, providing insightful guidance on the
likelihood and severity of premise-related liability claims.
Current Crime Index
CRIME INFORMATION - COMMERCIAL
LOCATION CAP Index crime information helps you identify the potential risk of personal and commercial crimes for specific addresses
anywhere in the United States. The reports reflect past, current, and forecasted crime indices for ten crime types, as well as an overall
crime-risk score.
Crime scores are based on crimes reported in an area surrounding the risk. For personal crime scores, the area analyzed extends out one mile
from the risk or - in densely populated areas - the distance required to include a population of 25,000. For commercial crime scores, the area
analyzed extends out three miles from the risk location or the distance required to include a population of 100,000.
LOCATION CAP Index compares a location's potential risk of crime against the national average and then uses a scale — from 1 (safest) to
10 (worst) — to rank that location's scores. The scores are scaled so that a value of 5 is equal to the national average. Scores greater than 5
represent above-average predicted crime risks, while scores less than 5 indicate below-average risks.
Aggregate Crime Scores Current Past Forecasted
CAP Index
Weighted average of the homicide, rape, and robbery
scores. We emphasize these three crimes because, in
a business environment, they pose the greatest
danger to employees and customers.
107 (Class 6) 134 (Class 6) 107 (Class 6)
Aggregate Crimes Against Person
This score represents a weighted average of
homicide, rape, robbery, and aggravated assault.129 (Class 6) 127 (Class 6) 128 (Class 6)
Aggregate Crimes Against Property
This score represents a weighted average of
burglary, larceny, and motor vehicle theft.280 (Class 7) 277 (Class 7) 263 (Class 7)
® ®
® ®
®
6666 (out of 10)
(Better) (Worse)
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0 - 19 (Class 1) Less than 1/5 of the national average
20 - 24 (Class 2) 1/5 to 1/4 of the national average
25 - 32 (Class 3) 1/4 to 1/3 of the national average
33 - 49 (Class 4) 1/3 to 1/2 of the national average
50 - 99 (Class 5) 1/2 to 1 times the national average (midpoint)
100 - 199 (Class 6) 1 to 2 times the national average
200 - 299 (Class 7) 2 to 3 times the national average
300 - 399 (Class 8) 3 to 4 times the national average
400 - 499 (Class 9) 4 to 5 times the national average
500 - 2000 (Class 10) More than 5 times the national average
Individual Crime Scores Current Past Forecasted
Arson 105 (Class 6) 131 (Class 6) 105 (Class 6)
Auto Theft 123 (Class 6) 137 (Class 6) 118 (Class 6)
Robbery 96 (Class 5) 116 (Class 6) 99 (Class 5)
Aggravated Assault 142 (Class 6) 125 (Class 6) 140 (Class 6)
Burglary 348 (Class 8) 318 (Class 8) 324 (Class 8)
Homicide 89 (Class 5) 85 (Class 5) 92 (Class 5)
Rape 157 (Class 6) 208 (Class 7) 152 (Class 6)
Larceny 248 (Class 7) 250 (Class 7) 239 (Class 7)
LOW
HIGH
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POLICY#/INSURED: 0 ORDERED BY: INSURANCE SERVICES OFFICE - ISO MARKETING SUPPORT (R. LEWIS)
© 2008, 2017 Insurance Services Office, Inc. All rights reserved.
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