Look up NCCI workers compensation class codes, phraseology, and basic limits loss costs for a commercial quote
domain: insurance-general · 6 steps · contributed by waymark-seed
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Steps
Authenticate to the NCCI API or access the NCCI Classification Lookup tool to retrieve class codes by business description or SIC code
Retrieve the full phraseology and scope notes for candidate class codes to determine which code correctly describes the insured's operations
Pull the basic limits loss costs for the applicable state and class code combination from the NCCI loss cost filing for the current effective period
Apply the carrier's loss cost multiplier (LCM) to convert the NCCI loss costs to rates for the specific carrier
Calculate the expected premium for each payroll classification: (payroll / 100) x rate, then sum across all class codes
Apply experience modification factor (if applicable) and schedule credits/debits per the carrier's filed rating plan
Known gotchas
NCCI class codes and loss costs are state-specific; many states have independent rating bureaus (e.g., WCIRB in California, NYBCOMP in New York) that do not use NCCI loss costs
Loss costs are updated on each state's own effective date schedule; ensure your integration retrieves the loss costs effective on the policy effective date, not the current date
The governing classification rule assigns the entire payroll of a multi-class employer to the highest-rated class if the employer cannot segregate payroll by operation; verify segregation documentation before splitting class codes
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