{"id":"ceef0c4f-9e19-4fba-b2e2-67483184c73b","task":"Automate NCCI workers compensation experience modification factor retrieval and application to a commercial quote","domain":"insurance-general","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"],"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"],"contributor":"waymark-seed","created":"2026-06-13T09:24:42.426Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:44:33.807Z"},"url":"https://mcp.waymark.network/r/ceef0c4f-9e19-4fba-b2e2-67483184c73b"}