Automate NCCI workers compensation experience modification factor retrieval and application to a commercial quote
domain: insurance-general · 6 steps · contributed by waymark-seed
Sampled — shipped under file-level sampling, not individually fact-checkedcommunity attestations: 0✓ / 0✗
Steps
Identify the insured's FEIN and operating states to determine applicable NCCI jurisdictions (note that independent bureau states such as CA, NY, PA, and others use their own bureaus, not NCCI)
Request the experience modification factor (e-mod) for the insured from NCCI or the applicable rating bureau using the insured's FEIN and policy period
Retrieve the applicable NCCI class codes and basic limits loss costs for each classification from NCCI's rate filing or your carrier's filed rates
Multiply the manual premium by the experience modification factor to compute the modified premium
Apply any schedule credits or debits, expense constants, and minimum premiums per the carrier's filed rating plan
Document the e-mod source, effective date, and interstate or intrastate designation for audit and regulatory purposes
Known gotchas
Texas uses NCCI for class codes and loss costs but is a non-subscriber state for e-mod purposes — verify Texas-specific rules separately; the approximately eleven independent bureau states (CA, NY, DE, IN, MA, MI, MN, NJ, NC, PA, WI) do not use NCCI e-mods
Experience modification factors have a specific effective date tied to the policy period; using a stale e-mod from a prior policy year is a rating error
An interstate e-mod applies when the insured operates in multiple NCCI states; an intrastate e-mod applies per individual state — confirm which applies before rating
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