Workers’ Comp Class Codes

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What Are Workers’ Comp Class Codes?

Workers’ compensation class codes (also called NCCI codes) are standardized 4-digit codes that classify job types based on occupational risk. Insurance carriers use these codes to determine premium rates — higher-risk occupations pay higher premiums.

The National Council on Compensation Insurance (NCCI) maintains the standard classification system used in most states. Some states (California, New York, Texas, and others) maintain their own codes or modifications.

Why Accurate Classification Matters

• Overpaying premiums — If employees are classified under a higher-risk code than their actual duties warrant, you pay more than necessary.
• Audit penalties — Misclassification discovered during an audit can result in additional premium charges, penalties, and interest.
• Coverage gaps — Incorrect codes could affect your coverage in the event of a claim.

How to Find Your Class Code

1. Search above — Enter your job description, industry, or a code number if you have one.
2. Browse by industry — Select your industry category to see all applicable codes.
3. Check state variations — Each class code page shows state-specific code variants where applicable.