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Workers Comp Class Codes

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NCCI Scopes Classifications
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Workers Compensation Class Codes

A lot of work comp policies have incorrect class codes, costing employers hundreds or thousands of dollars in additional premium each year.

Workers compensation classifications

What is a workers compensation classification code?

A class code is a three or four digit code assigned by NCCI, or a State Rating Bureau.  Class codes help differentiate between the various job duties or "scope of work performed" by employees.  The classification system contains over 700 unique codes and is the basis for pricing and underwriting workers compensation insurance rates.

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NCCI Class Codes and The NCCI Scopes Manual Workers Compensation Shop.com Icon.

One of the primary components of pricing workers' compensation insurance is classifying a risk or workplace exposure within the proper NCCI workers compensation class code. Incorrect risk classifications by insurance agents and/or underwriters often results in premium that is higher or lower than it should be.  Sometimes payroll is reclassified at the time of audit, which often creates a large workers compensation audit balance or a credit.

In most states, the classification system used is one devised and maintained by NCCI, the National Council on Compensation Insurance. NCCI is an independent advisory organization largely funded by the insurance companies who utilize their statistical data for rating. NCCI's function is to develop and provide the statistical data used to set manual rates (by state) for workers compensation pricing and to assign each employers' annual experience modification rate, which is based on a ratio of claims frequency and cost of premium paid.

Non NCCI Jurisdiction States

There are a few states that do not use the NCCI classification system. California, New Jersey, New York, Delaware, and Pennsylvania utilize their own classification systems. Texas licenses much of the NCCI system, but makes significant variations in specific classification rules. Many other states have some "state special" classifications that may vary significantly from NCCI standard definitions for certain workplace classification codes. To learn more about class codes under NCCI's jurisdiction visit our state workers compensation directory.

NCCI Scopes and Workers Compensation Classifications

Each classification code is comprised of a group of employers with a similar exposures, or types of hazards. A basic classification code denotes a particular type of job duty within a business. Therefore, a class code is the systematic arranging of properties, persons, or business operations into groups or categories according to certain criteria. This arrangement is done to create a basis for establishing statistical experience and determining workers compensation rates, and to avoid unfair discrimination by insurance companies. The essential concept of "fair discrimination" is that each risk should bear its fair share of the overall cost of expenses and losses in relationship to its own relevant expenses and hazards.

A Scopes class code is the identifying number for each occupational classification. It is a three-digit or four-digit numeric code assigned to a specific occupation of workers. The code is based on the nature of the work for the employer and employee.  It is common for most employers to have two or more class codes on their policy.

For example: Class code 8810 is for a clerical exposure and class code 5645 is for a general residential construction exposure.  A contractor might have laborers working under class code 5645 and an office person rated under the clerical code.

Classification Codes and Statistical Codes for Workers Compensation and Employers Liability Insurance (Scopes Manual)

The Scopes Manual is the industry standard workers compensation class code book containing numerical classification codes and the classification phraseology for each code used in classifying workers' compensation risks, including state special codes. The NCCI Scopes Manual is available for purchase from NCCI.

List of Workers Compensation Class Codes

NCCI Class Codes- Alphabetical

Alphabetical

NCCI Class Codes- Numerical

Numerical

NCCI class codes

NCCI class codes

Alphabetic class codes- pdf

Numeric class codes- pdf


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Getting Your Employee NCCI Class Codes Right

Our Workers Compensation Specialists take the time to review your current work comp class codes in order to make sure we quote your employees and policy correctly. We work directly with NCCI to validate your job classifications and have been successful in recovering past premium from insurance companies who have incorrectly classified your business. Most states allow us to recoup up to three years of premium.

As an employer, you have the right to appeal to NCCI for proper classification assignment. This process may include submitting all job duties to NCCI and paying for an NCCI auditor to come to your facility for an inspection and ruling.

In most cases, our Specialists can work with NCCI representatives on your behalf to ensure your employees are properly classified with the classification codes that accurately reflect the scope of work performed and reduce your rates and premium.



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Workers Compensation Experts Why More Employers Choose Us.

At Workers Compensation Shop.com, we work harder to quote your business right. Every agent on our staff receives over 150 hours of training each year to ensure we make the process of buying and servicing a workers comp policy simple, convenient, and affordable.

We want to be your workers compensation agency. Start a workmen's compensation insurance quote online or give us a call today at 888-611-7467. We'll review your class codes and rates with no obligations.

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