What it does
WC 31 03 23 (original printing effective October 1, 2025) tells the insured that, based on the classification codes on the policy, it may be eligible for a premium credit under New York's Construction Classification Premium Adjustment Program (CPAP). It must be attached to CPAP-eligible policies.
Eligibility and credit
- The policy must have New York subject premium of $5,000 or more, include one or more eligible construction classifications, and satisfy the hourly wage requirement for eligible classes.
- The endorsement lists the eligible construction codes (for example 0042, 3724, 5022, 5183, 5190, 5403, 5474, 5645, 6217, 6306, 7538 and 7855).
- The New York Compensation Insurance Rating Board calculates credits for each policy. Credit percentages are based on each employee's hourly wage in an eligible class; employees in non-eligible classes get 0%.
- Any estimated credit given at issue is subject to revision at audit.
What the insured must provide at audit
For each employee in an eligible class: the CPAP class code, hours worked during the policy period (including overtime), and either remuneration as defined in the New York manual or average base hourly wage.
Edition history
Before the October 2025 redesign, the program was explained by WC 31 03 19 (the NYCCPAP Explanatory Endorsement, editions through WC 31 03 19 N, 4th reprint effective April 1, 2024), under which credits were earned for average wages above $23.24 per hour and were based on third-quarter payroll reported to taxing authorities. WC 31 04 01 is the separate endorsement used to show an estimated credit when the factor is not available at issue.
Quoting and selling notes
- Credits rise with hourly wages in eligible classes, so make sure payroll records capture hours and wages by employee and class.
- Credits are calculated at audit, so missing hours data can cost the insured the credit.
Related forms
New York limit of liability WC 31 03 08.
