Why is the personnel category important for OSGOR?
When calculating OSGOR, not only the type of activity of the employer and the class of professional risk are taken into account, but also the category of personnel.
Three main categories:
- - production personnel;
- - administrative and managerial personnel;
- - auxiliary personnel.
- The law also provides for determining the sum insured by categories of personnel.
Production personnel
This category includes employees directly engaged in performing production, technical, or other work functions related to the main activity of the organisation.
The specific assignment of a position to a category must be determined taking into account the actual functions of the employee and the applicable rules.
Administrative and managerial personnel
These are employees performing managerial, administrative, and organisational functions.
When calculating OSGOR, the wage fund of this category is taken into account separately in accordance with the applicable calculation procedure.
Auxiliary personnel
Auxiliary personnel include employees who ensure the activity of the organisation and the performance of the main production or administrative processes.
The specific composition of the category depends on the employer's activity and the actual functions of the employees.
How to determine the category?
When taking out OSGOR, it is necessary to provide information about the personnel and the wage fund.
A specialist of the insurance company determines the parameters necessary for calculating the sum insured and the premium.
What categories of personnel are taken into account under OSGOR?
Production, administrative and managerial, and auxiliary personnel.
Is it necessary to take into account all employees?
When determining the sum insured, the annual wage fund of employees by the relevant categories of personnel is taken into account.
Does the employee's category affect the cost?
Yes, the category of personnel is one of the parameters taken into account when applying insurance tariffs.
Who determines the category?
When concluding the contract, it is necessary to provide information about the employees and their functions. The final determination of the parameters is made when calculating the contract.
The specialists of the Closed Joint-Stock Insurance Company "ARSENAL-KYRGYZSTAN" are ready to advise you on any questions
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