Can one business have more than one class code?

Yes. Most employers carry one governing class code for their primary operation plus one or more standard-exception codes for clerical, outside sales, or driving staff whose payroll is reported separately. Splitting payroll across the correct codes is what keeps the premium accurate, because each code carries its own rate per $100 of payroll.

What is an NCCI workers' comp class code?

An NCCI class code is a four-digit number the National Council on Compensation Insurance assigns to a type of work to group employers with similar injury exposure and set a base rate per $100 of payroll. Higher-hazard work carries a higher code rate; the same code can carry a different rate in each state because loss costs are filed state by state.

Workers' Comp Class Codes — NCCI, WCIRB & PCRB Lookup

An NCCI class code is a four-digit number the National Council on Compensation Insurance (NCCI) assigns to a type of work to set its workers' comp base rate per $100 of payroll. As of July 2026 this directory tracks base-rate estimates for 292 class codes across all 51 US workers' comp jurisdictions — search by keyword, business type, or code number below.

Not every state uses NCCI codes. NCCI classifications apply in 36 of the 51 US jurisdictions, while 11 states run an independent rating bureau with its own class-code system — most notably the WCIRB in California, the PCRB in Pennsylvania, and NYCIRB in New York. If you came here looking for a WCIRB or PCRB class-code search, use the lookup below to compare the code and rate in the state where the work is actually performed, then confirm the assignment with that state's bureau.

Last verified: 2026-07-15 · Reviewed against NCCI and state rating-bureau sources — how we verify

How to find your workers' comp class code

Your class code follows the type of work your employees perform, not your industry label. Start from the governing (highest-payroll) operation, then add any standard-exception codes — such as 8810 clerical office, 8742 outside sales, or 7380 drivers — whose payroll is reported separately.

Some work has no single national code. School bus drivers, for example, are classified differently depending on who employs the driver and which bureau governs the state — NCCI 7383 or 7382, code 9101 when the district runs its own buses, or New Jersey's 7381/9106. See the state-by-state school bus classification guide.

Working alone? An owner with no employees still needs a governing class code the moment they elect coverage on themselves or a general contractor demands a certificate — and the rating payroll is usually imputed by the state rather than taken from actual earnings. See workers' comp insurance for the self-employed for how elective coverage and independent-contractor certificates work state by state.

Where the code comes from depends on your state. In 36 of the 51 US jurisdictions insurers use NCCI classifications; 11 states run an independent rating bureau that publishes its own class-code system — including California (WCIRB), New York (NYCIRB), Pennsylvania (PCRB), New Jersey (NJCRIB), and Delaware (DCRB); and 4 monopolistic states sell only through a state fund with their own classification schedules. See Ohio workers' compensation rates for that exclusive state-fund model; North Dakota, Washington, and Wyoming use the same market structure. A “WCIRB class code search” returns California-specific codes that don't always map one-to-one to NCCI, so confirm the code for the state where the work is performed.

Class code lookup by state

The same four-digit code carries a different rate in every state, and in 15 jurisdictions it is not an NCCI code at all. These 25 state pages carry the classification system that jurisdiction actually uses, who publishes it, and the current filing behind the rate — start here when your search is state-specific rather than national.

Alabama workers' comp class codesNCCI classifications
Arizona workers' comp class codesNCCI classifications
California workers' comp class codesWCIRB — its own class-code system, not NCCI
Colorado workers' comp class codesNCCI classifications
Florida workers' comp class codesNCCI classifications
Georgia workers' comp class codesNCCI classifications
Indiana workers' comp class codesICRB — its own class-code system, not NCCI
Kentucky workers' comp class codesNCCI classifications
Louisiana workers' comp class codesNCCI classifications
Massachusetts workers' comp class codesWCRIBMA — its own class-code system, not NCCI
Minnesota workers' comp class codesMWCIA — its own class-code system, not NCCI
Missouri workers' comp class codesNCCI classifications
Nebraska workers' comp class codesNCCI classifications
Nevada workers' comp class codesNCCI classifications
New Jersey workers' comp class codesNJCRIB — its own class-code system, not NCCI
New York workers' comp class codesNYCIRB — its own class-code system, not NCCI
North Dakota workers' comp class codesWSI state fund — its own classification schedule
Ohio workers' comp class codesBWC state fund — its own classification schedule
Pennsylvania workers' comp class codesPCRB — its own class-code system, not NCCI
South Carolina workers' comp class codesNCCI classifications
Tennessee workers' comp class codesNCCI classifications
Texas workers' comp class codesNCCI classifications
Utah workers' comp class codesNCCI classifications
Virginia workers' comp class codesNCCI classifications
Wisconsin workers' comp class codesWCRB — its own class-code system, not NCCI

Looking for a jurisdiction that is not listed? Compare workers' comp rates in all 51 US jurisdictions.

High-signal class code guides

workers comp code 8810Clerical office employees 5645 class codeCarpentry — detached dwellings 5190 workers comp codeElectrical wiring within buildings 5221 workers comp codeConcrete flatwork 8017 workers comp codeRetail store NOC 8835 workers comp codeHome health care services ncci code 8742Outside sales personnel workers comp class code 7610Radio and television broadcasting

Office & Professional

Code

Description

Hazard Group

Nat'l Avg Rate

Workers' Comp Class Codes — NCCI, WCIRB & PCRB Lookup

How to find your workers' comp class code

Class code lookup by state

High-signal class code guides

Office & Professional

Restaurants & Food Service

Construction

Healthcare

Automotive

Real Estate & Property

Transportation & Trucking

Retail

Services

Hospitality

Manufacturing

Agriculture

Technology

Education

Class code lookup — frequently asked questions

Sources