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National Council on Compensation Insurance (NCCI)


What Is The NCCI?

The ( NCCI ) National Council on Compensation Insurance is based in Boca Raton, FL. They perform the Workers Compensation rating calculations for employers and insurance companies in over 40 states.

Vector Graphic of Calculator with Credit Card And Books NCCI Calculating

Even the states that do not use them for their rating calculations base their Experience Modification Factors (E-Mods/X-Mods) on their math. There is no other company that promulgates E-Mods.

Most of my interactions with NCCI have been very positive, as they do realize they are a service organization and seem to treat people as such. You may have noticed the large NCCI insignia on your rating sheets. If you have not seen those sheets and you have the fiduciary responsibility for your company, please obtain a copy of them ASAP, as they impact your Workers Comp insurance budget heavily.

There are many free services provided by the NCCI including State Advisory Meetings and a huge Educational Section on their website.   They now even have a large library of videos that cover most of the Experience Rating basics.

One of the main tasks that NCCI has undertaken is to change its Classification Code system by what seems to be a consolidation of the number of Classification Codes that are in place. There are now over 600.

There are state minimums to have an Experience Rating. If your company has grown very quickly from a very small company, you may be in line to be Experience Rated. Also, if you have a large deductible program for your Workers Comp claims, the carrier is still going to report your claims to the NCCI or State Rating Bureau.

I will not go into the E-Mods or Classification Codes in this post. Please check out the prior and archived posts on those subjects.

Next Up – How many chances are there for a mistake to be made in a Work Comp policy?

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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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