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Glossary

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Basic Underwriting Manual

An advisory manual published by the WCIRB; it contains basic definitions and classification terms, premium and policy rules, and an alphabetical listing of the standard classifications.

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Benefit

Amount paid on a claim to or on behalf of an injured worker. See also "Indemnity."

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Binder

A temporary legal contract of terms and conditions that is in force until an actual policy with the same terms and conditions is issued, or until the binder contract expires.

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BN

Bureau Number; a unique file number assigned by the WCIRB to each California insured employer.