Class 1 You are engaged in indoor & non-manual work in non-hazardous places Class 2 You are engaged in work of an outdoor or supervisory nature or involve occasional manual work, whose duties do not include use of tools or machinery and are not exposed to any special hazard, e.g. property agent, outdoor sales/marketing Class 3 You are engaged in manual work not of particularly hazardous nature, with or without the use of tools or machinery. e.g. baker, butchers, drivers, chauffeurs, veterinarian