NCCI Codes | Index of Codes and Phraseology by State

NCCI codes are four digit codes, produced by the the National Council on Compensation Insurance, used to classify businesses for workers’ compensation insurance. For example, a roofer would be considered NCCI code “5551”.

These codes are used to collect data to help insurance companies classify and underwrite businesses for workers compensation insurance.

Lookup NCCI Codes by Code or Keyword

You can use the search bar above to lookup NCCI codes by keyword or key-phrase. If you know the numerical code that you are looking for, you can simply enter it below. If you do not know the numerical code, then the search works best if you follow the following format: “Workers Compensation Code [Keyword for your industry]” or “NCCI Code [Keyword for your industry]”.

NCCI State-by-State Directory | Clickable Map

Looking for an online list of NCCI Codes? Workers compensation codes vary by state. Use the clickable map below to view the applicable index list of workers compensation class codes for each state.

Each state has it’s own unique set of applicable workers compensation codes. Some states are more similar to each other than others. This website was created to provide a quick online reference guide containing the applicable index of workers compensation codes for each U.S. state.




The lists published on this side are only a general index listing, not a complete scopes manual. Workers’ compensation class code lists such as these may be helpful for a quick lookup, but for underwriting purposes, you will need a complete and authoritative guide. The only complete and authoritative guide regarding NCCI class codes is a scopes manual, provided by the National Council on Compensation Insurance (NCCI).

How to get official NCCI Codes, Phraseology, and Base Rates


NCCI provides and index of official class codes, phraseology, rates and loss costs that are specific to each applicable NCCI code and state (Some states do not apply). You can obtain this information at no charge by with NCCI’s Riskworkstation™.

To get access to the Riskworkstation™, simply follow these steps below.

  1. If you don’t have a User Id and password already, you will need to contact NCCI’s Customer Service Center at 1-800-622-4123.
  2. Request to be set up with access to the product called Riskworkstation™.
  3. Quick Rate is located within Riskworkstation™ which you can access from the Agents/Brokers page on ncci.com. When accessing Riskworkstation™ for the first time you will need to read the “Terms and Conditions of Use”, then click “Accept” at the bottom of the page.
  4. The left sidebar will show a collapsible menu with a heading that says “Quick Rates”. Enter the workers’ compensation code into the box that says “Enter class code separated by commas”. Below that box, there is a dropdown menu that says “Select a state”. Select the state in which you are looking for the rate, and then click the “Search” button.
  5. For more information on how to use the product, access Riskworkstation™ Overview – Webinar on Demand.

The NCCI Riskworkstation™ also provides access to a variety of other useful tools and resources. View the Products and Services page for Riskworkstation™ pricing information:

  • Analyze Mods and Losses: Get essential information for evaluating a risk including experience rating mods and worksheets, RiskSnapshot® reports, test mods, or CCPAP factors.
  • Classify a Risk: Get more details on a risk and validate information using IRMI’s Cross-Reference Guide, Best’s Underwriting Guide, Quick Scopes, and Risk History Report.
  • Create Test Mods: Use real-time calculations for “What-if?” scenarios.
  • Receive Notifications: Get alerts when updates are made to experience ratings, CCPAP factors, and IRMI Guides.
  • Quick Rates: Provides fast access to state-approved rates and loss costs.
  • Quick Mods: Provides current mods for up to 20 Risk IDs at one time.

 

 

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What is the National Council on Compensation Insurance (NCCI)?
  • NCCI is an independent advisory organization that is primarily funded by insurance companies. Most insurance companies use NCCI for various services, such as collecting and analyzing statistical data for workers’ compensation rates.
  • One of the primary functions of NCCI is to obtain and provide accurate statistical loss data that is used to set manual rates for workers compensation insurance. NCCI is the most widely used classification system in the United States.
  • The National Council on Compensation Insurance publishes the official classification manual for all NCCI states, called the “Scopes Manual.”
What is the NCCI Scopes Manual?
  • The NCCI Scopes Manual is used by insurance professionals (Such as underwriters) to identify the class code associated with each type of occupational work.
  • The code is a four-digit number that represents all operations included under that classification.
  • The Scopes Manual offers detailed underwriting information that elaborates on how every sort of work should be classified.
  • Since the Scopes Manual is the industry standard for workers compensation class codes, it is important for every underwriter, agent and broker to have a copy.
  • A Scopes Manual can be purchased directly from the NCCI Online Catalog.
Functions of the National Council on Compensation Insurance

The National Council on Compensation Insurance is a non-profit insurance rating bureau that collects and analyzes workers compensation data. NCCI is funded and owned by it’s member insurers. The company provides the following functions:

  • Analyze the costs and and trends of workers’ compensation insurance.
  • Insurance rate and loss-cost recommendations for workers’ compensation insurance.
  • Analyze the cost of potential and upcoming legislation regarding workers’ compensation, such as judicial and regulatory decisions.
  • Claims and injury cost and prevention research.
  • Workers compensation data collection Cooperation and database management.
  • Production of manuals, such as the Basic Manual, Experience Rating Manual, and the Scopes Manual.
NCCI Holdings Locations and Contact Phone Numbers

NCCI Codes

Below are the office locations, mailing addresses, and phone numbers you can use to contact NCCI.

  • Arkansas Address:
    • Crestwood Plaza Building 2400 Crestwood Road, Suite 207, North Little Rock, AR 72116
      • Telephone N: (501) 753-5180
      • Fax Number: (501) 812-0951
  • California Address:
    • 2815 Townsgate Road, Suite 210, Westlake Village, CA 91361
      • Telephone: (818) 707-8360
      • Fax Number: (805) 418-9963
  • Florida (Peninsula) Address – Corporate Headquarters:
    • 901 Peninsula Corporate Circle, Boca Raton, FL 33487
      • Telephone: (561) 893-1000
      • Fax Number: (561) 893-1191
  • Florida (Tallahassee) Address:
    • 106 East College Avenue  Tallahassee, FL 32301
      • Telephone: (850) 322-4047
  • Hawaii Address:
    • 1001 Bishop Street, Suite 1550, American Savings Bank Building, Honolulu, HI 96813
      • Telephone: (808) 524-6196
      • Fax Number: (808) 536-3467
  • Missouri Address:
    • 11430 Gravois Road, St. Louis, MO 63126
      • Telephone: (314) 843-4001
      • Fax Number: (314) 842-3188
  • New Mexico Address:
    • The Citadel, 6301 Indian School Road, Suite 990, Albuquerque, NM 87110
      • Telephone: (505) 242-1330
      • Fax Number: (505) 242-1032
  • Oregon Address:
    • 1 Lincoln Center, 10300 SW Greenburg Rd., Suite #550, Portland, OR 97223
      • Telephone: (503) 892-1819
      • Fax Number: (503) 244-7570
  • Pennsylvania Address:
    • 987 Old Eagle School Road, Suite 711, Wayne, PA 19087
      • Telephone: (610) 964-8851
      • Fax Number: (610) 964-8296
  • South Carolina Address:
    • 204 Caughman Farm Lane, Suite 303, Lexington, SC 29072
      • Telephone: (803) 356-0851
  • Virginia Address:
    • 6802 Paragon Place, Suite 410, Richmond, VA 23230
      • Telephone: (804) 441-6178
  • Washington, DC Address (Federal Affairs Office):
    • 444 North Capitol Street NW, Suite 203, Washington, DC 20001
      • Telephone: (202) 403-8525
      • Fax Number: (561) 893-5614
NCCI Rates By State

To view official NCCI Rates by State, you can follow the instructions above to sign up for the NCCI Riskworkstation. The Riskworkstation is free, and the only way to get the current and authoritative rates. Aside from there, most states provide some form of “Loss Cost” rates, or “Manual Rates” for the state fund, which will give you a good starting point of the workers’ compensation rates your state.

Every year the Oregon Department of Consumer and Business Services produces a premium rate ranking study. This is one of the most helpful state resources published online with regard to premium rates by state and by class code. You can follow the linked preview images below to view their study.

0005 - 0037
Rates for NCCI Codes: 0005, 0016, 0037

Rates for NCCI Codes: 0005, 0016, 0037

0083 - 2702
Rates for NCCI Codes: 0083, 0106, 2702

Rates for NCCI Codes: 0083, 0106, 2702

2710 - 2802
Rates for NCCI Codes: 2710, 2731, 2802

Rates for NCCI Codes: 2710, 2731, 2802

3030 - 3724
Rates for NCCI Codes: 3030, 3632, 3724

Rates for NCCI Codes: 3030, 3632, 3724

5183 - 5213
Rates for NCCI Codes: 5183, 5190, 5213

Rates for NCCI Codes: 5183, 5190, 5213

5221 - 5445
Rates for NCCI Codes: 5221, 5403, 5445

Rates for NCCI Codes: 5221, 5403, 5445

5474 - 5551
Rates for NCCI Codes: 5474, 5506, 5551

Rates for NCCI Codes: 5474, 5506, 5551

5645 - 7228
Rates for NCCI Codes: 5645, 6217, 7228

Rates for NCCI Codes: 5645, 6217, 7228

7229 - 7403
Rates for NCCI Codes: 7229, 7380, 7403

Rates for NCCI Codes: 7229, 7380, 7403

7539 - 7720
Rates for NCCI Codes: 7539, 7600, 7720

Rates for NCCI Codes: 7539, 7600, 7720

8006 - 8018
Rates for NCCI Codes: 8006, 8017, 8018

Rates for NCCI Codes: 8006, 8017, 8018

8033 - 8380
Rates for NCCI Codes: 8033, 8232, 8380

Rates for NCCI Codes: 8033, 8232, 8380

8393 - 8810
Rates for NCCI Codes: 8393, 8742, 8810

Rates for NCCI Codes: 8393, 8742, 8810

8824 - 8833
Rates for NCCI Codes: 8824, 8832, 8833

Rates for NCCI Codes: 8824, 8832, 8833

8835 - 8868
Rates for NCCI Codes: 8835, 8842, 8868

Rates for NCCI Codes: 8835, 8842, 8868

9014 - 9052
Rates for NCCI Codes: 9014, 9015, 9052

Rates for NCCI Codes: 9014, 9015, 9052

9058 - 9083
Rates for NCCI Codes: 9058, 9082, 9083

Rates for NCCI Codes: 9058, 9082, 9083

9084 - 9403
Rates for NCCI Codes: 9084, 9101, 9403

Rates for NCCI Codes: 9084, 9101, 9403

Top 5 Most Commonly Reclassified NCCI Class Codes

2016 Top Reclassified Codes:

  1. The most commonly reclassified NCCI class code is code 8017 – Store, Retail, NOC. This code is most commonly reclassified to: 8010 -Store, Hardware, 8018 – Store, Wholesale, NOC, 8008 – Store, Clothing, Wearing Apparel, or Dry Goods, Retail, 8044 – Store, Furniture and Drives, and 9083 – Restaurant, Fast Food.
    • The reason this code is most commonly reclassified is because if the gross receipts exceed 50% for any one type of product sold, then the classification should reflect that product. For instance, if more than 50% of gross receipts of a retail store are for furniture, then that business should be classified as 8044. If more than 50% of gross receipts were for clothing, then that retail store should be classified at code 8008, and so forth.
  2. The second most commonly reclassified NCCI class code is 8018 – Store, Wholesale, NOC. This code is most commonly reclassified to: 8010 – Store, Hardware, 8032 – Store, Clothing, Wearing Apparel, or Dry Goods, Wholesale, 8017 – Store, Retail NOC, 8232 – Building Material Dealer, New Materials Only, 8046 – Store, Automobile Parts and Accessories NOC and Drivers.
    • The reason is the same as the bullet point above. If the gross receipts exceed 50% for any one type of product sold, then the classification should reflect that product. Additionally, if it was determined that more than 50% of a store classified as “Wholesale” came from retail sales (Direct to consumer, not business to business), then the store was commonly reclassified to code 8017 – Store, Retail NOC.
  3. The third most commonly reclassified NCCI class code is code 8010 – Store, Hardware. This code was most commonly reclassified to: 8010 – Store, Hardware, 8032 – Store, Clothing, Wearing Apparel, or Dry Goods – Wholesale, 8017 – Store, Retail NOC, 8232 – Building Material Dealer, New Materials Only – All Other Employees & Yard, Warehouse and Drivers, 8043 – Store, Automobile Parts and Accessories NOC and Drivers.
    • Code 8010 was commonly reclassified to plumbing supply or auto parts stores. The reason is because when gross receipts for plumbing supplies or auto parts exceed 50% of gross receipts, then the business should be reclassified accordingly. For example, if more than 50% of gross receipts were for auto parts, then the business should be reclassified as code 8046.
  4. The fourth most commonly reclassified NCCI class code is 8044 – Store, Furniture & Drivers. This code is most commonly reclassified to: 8017 – Store, Retail NOC, 8018 – Store, Wholesale – NOC, 8010 – Store, Hardware, 9519 – Household and Commercial Appliances – Electrical – Installation, Service, or Repair and Drivers, 8235 – Sash, Door, or Assembled Millwork Dealer & Drivers.
    • The reason this code was commonly reclassified is because if the sale of furniture did not account for more than 50% of gross receipts, the business should be reclassified to the retail code 8017, or wholesale code 8018.
  5. The fifth most commonly reclassified NCCI class code is 8046 – Store, Automobile Parts and Accessories, NOC and Drivers. This code is most commonly reclassified to: 8380 – Automobile Service or Repair Center & Drivers, 8018 – Store, Wholesale- NOC, 8010 – Store, Hardware, 8391 – Automobile Repair Shop & Parts Department Employees and Drivers, 3821 – Automobile Recycling and Drivers.
    • It is not uncommon for auto parts stores to both sell and install parts. If it is determined that the sale of auto parts is the dominant function of the business, then code 8046 is fine. If however it is determined that the installation of auto parts was the predominant function of the business, then the business was commonly reclassified to either 8380 or 8391.

Source: NCCI’s Top Five Reclassified Codes

2015 Top Reclassified Codes:

  1. In 2015, the most commonly reclassified NCCI code was 8810 – Clerical Office Employee’s NOC. This code was commonly reclassified to: 8723 – Insurance Companies – Including Clerical and Salespersons, 8855 – Banks and Trust Companies – All Employees, Salespersons, Drivers, & Clerical, 8803 – Auditor, Accountant, or Computer System Designer or Programmer – Traveling, 8018 – Store, Wholesale – NOC, and 9012 – Building or Property Management – Property Managers and Leasing Agents & Clerical, Salespersons.
    • This code was commonly reclassified because it is only applicable if the employee was not otherwise classified (NOC) in the Basic Manual. Generally, NCCI class code 8810 cannot be split with any other code. So if an employee is clerical but also performs other duties, then the employee would have to be classified based on those other duties.
  2. The second most reclassified code in 2015 was 8742 – Salespersons or Collectors – Outside. This code was commonly reclassified to: 8723 – Insurance Companies – Including Clerical and Salespersons, 8720 – Inspection of Risks for Insurance or Valuation Purposes NOC, 8018 – Store, Wholesale NOC, 8810 – Clerical Office Employees NOC, and 8721 – Real Estate Appraisal Company – Outside Employees.
    • This code was commonly reclassified because it is only applicable to employees who perform sales away from the premises of the business. If employees deliver merchandise or work in a store, they should be classified to the appropriate driver code.
  3. The third most reclassified code in 2015 was 9015 – Building or Property Management – All other Employees. This code was commonly reclassified to: 8855 – Banks and Trust Companies – All Employees, Salespersons, Drivers, and Clerical, 9012 – Building or Property Management – Property Managers and Leasing Agents & Clerical, Salespersons, 8723 – Insurance Companies – Including Clerical and Salespersons, 8810 – Clerical Office Employees NOC, and 9014 – Janitorial Services by Contractors.
    • This code was commonly reclassified to 9012 if the employees engaged in leasing or sales. Clerical office and sales employees for property management companies do not qualify for code 8810 or 8742.
  4. The fourth most reclassified code in 2015 was 8601 – Architectural or Engineering Firm – Including Salespersons & Drivers. This code was commonly reclassified to: 8602 – Surveyors, Timber Cruisers, Oil or Gas Geologists, or Scouts, and Drivers, 8603 – Architectural or Engineering Firm – Clerical, 4511 – Analytical Laboratories or Assaying – Including Laboratory, Outside Employees, Collectors of Samples, and Drivers, 3681 – Television, Ratio, Telephone, or Telecommunication Device MFG – NOC, and 8180 – Clerical Office Employees NOC.
    • This code was commonly reclassified to code 8602  if the employees were surveyors, and code 8603 if the employee worked for an Architectural or Engineering Firm, but was confined to an office setting.
  5. The fifth most reclassified code in 2015 was 5191 – Office Machine Installation, Inspection, Adjustment or Repair. This code was commonly reclassified to: 8018 – Store, Wholesale – NOC, 3574 – Computing, Recording, or Office Machine MFG NOC, 8810 – Clerical Office Employees NOC, 8803 Auditor, Accountant, or Computer System Designer or Programmer – Traveling, 3681 – Television, Radio, Telephone, or Telecommunication Device MFG, NOC, or 7605 – Burglar and Fire Alarm Installation or Repair & Drivers.
    • This classification was commonly reclassified because it only applies if this code best described the operations and nature of the business being performed. Typically, this code was reassigned based on the type of product being installed and reclassified to the more specific and accurate code.

Source: NCCI’s 2015 Top Five Reclassified Codes

NCCI Codes | Class Codes