Class Code 4740 covers oil and petroleum refining operations including asphalt and tar distilling and gasoline recovery. The WCIRB pure premium for California effective Sept 1, 2026 is $1.316 per $100 of payroll. Employers in this sector must manage high-hazard process risks, rigorous Cal/OSHA rules, and turnover during turnarounds — all of which affect workers' comp exposure.
This classification applies to facilities that refine crude petroleum into finished fuels and petroleum products, operate asphalt or tar distillation units, or run gasoline recovery and vapor-recovery systems. It includes continuous refinery operations (distillation columns, cokers, catalytic crackers), heat-treating and furnace operations, tank farms and product blending, and on-site gasoline recovery/degassing processes. The code covers both routine production staff and those performing scheduled shutdowns, turnarounds, or maintenance that expose workers to refinery process hazards. Activities such as sampling, lab testing of petroleum streams, treating and storage of heavy residuals (asphalt/tar), and operation of recovery vapor condensers are within scope. It does not typically cover downstream retail gasoline stations or long-haul tank truck transport, which are usually classified separately.
The pure premium of $1.316 per $100 of payroll is the portion of premium intended to pay expected claim costs before insurer expenses and profit. Carriers multiply that rate by an employer's payroll (in $100 units), then apply experience modification, schedule credits/debits, policy-level deductible or retrospectives, and insurer expense loads to produce the final premium. Loss frequency, severity, turnaround schedules, and safety programs materially influence an employer's experience modification and final premium.
Refinery operations are subject to Cal/OSHA process safety requirements (refinery PSM), permit-required confined space rules, hazardous materials communication and respiratory protection standards, and hot work and fire prevention controls. Employers must implement written PSM-type management systems, lockout/tagout, written confined space entry programs, and documented hazard communication and respiratory-protection programs, plus maintain training and records for inspections and audits.
A PEO like Key HR can centralize workers' comp coverage and provide sector-specific loss-control resources: refinery-tailored safety programs, permit and hot-work procedure templates, confined-space and H2S training, and coordinated claims management to reduce indemnity and medical costs. Key HR also helps monitor experience modification, manage return-to-work programs, and leverage purchasing scale to stabilize premiums for employers in high-hazard coding like 4740.
Get a QuoteYes, payroll for contractors that are on your payroll and performing refinery operations or maintenance at the site is typically reported under the refinery class. Independent subcontractors paid separately are usually outside your payroll reporting; proper contract wording and classification audits are important to avoid coverage disputes.
Focus on reducing claim frequency and severity: rigorous permit-required confined-space programs, hot-work controls, PSM-style management of change and pre-job hazard analyses, mandatory PPE and respiratory protection, proactive medical monitoring (for benzene/H2S), and a formal post-injury return-to-work program to shorten lost-time exposure and improve your experience modification.
Not usually. Bulk terminals, tanker-truck loading/unloading, and retail fuel operations are commonly assigned different WCIRB classifications. If your operation combines refining with terminaling or transport, a classification review is recommended to ensure payroll is assigned correctly.
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