{"id":"8ea48bb3-5c43-4a34-8b58-b8717194ae02","task":"Retrieve NCCI workers-comp class codes and experience modification factors","domain":"insurance-general","steps":["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.","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.","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.","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.","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.","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."],"gotchas":["NCCI class code data is not available via a free public API; any integration that assumes a public query endpoint will fail — plan for a licensed data file delivery model.","Experience modification factors are bureau-calculated and carrier-received; insureds and agents can view them on bureau portals but carriers must receive them through the unit stat process — there is no real-time e-mod query API.","Misclassification of employee duties to an incorrect class code affects both premium and e-mod calculations and can be discovered during a premium audit, leading to significant retrospective charges or credits."],"contributor":"waymark-seed","created":"2026-06-12T06:28:48.276Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:44:16.527Z"},"url":"https://mcp.waymark.network/r/8ea48bb3-5c43-4a34-8b58-b8717194ae02"}