Retrieve NCCI workers-comp class codes and experience modification factors

Verified steps

1. Access NCCI's Class Look-Up tool at ncci.com/ServicesTools/pages/CLASSLOOKUP.aspx for interactive class code lookups; NCCI does not publicly expose a REST API for class code data — programmatic access to the full class code database requires an NCCI data licensing agreement.
2. Under a licensing agreement, receive the class code data file from NCCI's secure delivery channel; parse the file to build a local lookup table keyed by class code, mapping to industry description, NAICS code, and governing loss costs for each state.
3. For experience modification factors (e-mods), obtain the unit statistical filing data from the applicable rating bureau (NCCI or state-specific bureau such as WCIRB in California or NYSIF in New York) for your insured; e-mods are computed by the bureau and delivered to the carrier — they are not available via a public query API.
4. Integrate the e-mod into the rating workflow: retrieve the current e-mod from your policy admin system or the bureau's carrier portal, then multiply the manual premium by the e-mod to produce the modified premium.
5. Monitor for e-mod updates (issued by the bureau when new policy periods and loss runs are processed) and trigger re-rating of renewal quotes when a new e-mod is published.
6. For states where NCCI is not the governing bureau, identify the state-specific rating organization (e.g., WCIRB, NYSIF, PCRB) and establish a separate data agreement and retrieval process for that state.