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Common Questions
About workers' comp class codes
What is a workers' comp class code?
A workers' compensation class code is a 4-digit number that classifies each job based on its typical injury risk. Every employee at your business is assigned a class code, and each code has an associated rate (per $100 of payroll) that drives your workers' comp premium. Most states use NCCI class codes; California uses WCIRB codes with its own numbering for certain industries.
What is the difference between NCCI and WCIRB class codes?
NCCI (National Council on Compensation Insurance) maintains the workers' comp class code system used by 35 states plus DC. California uses its own rating bureau, WCIRB (Workers' Compensation Insurance Rating Bureau), which has proprietary codes for some industries — most notably restaurants and food service. WCIRB restructured its restaurant classifications in September 2024, replacing 9079 with codes 9080, 9081, 9082, 9083, 9084, and 9058.
How do I find the right class code for my business?
Start by identifying the primary work each employee actually performs — not just their job title. Use this lookup tool to search by keyword (e.g., "carpentry" or "restaurant") or browse by industry category. Because picking the wrong code can cost thousands in overpayment or leave claims uncovered, most businesses benefit from a licensed agent reviewing their classifications before submitting to carriers.
Can one business have multiple class codes?
Yes. Businesses with distinct operations typically split payroll across multiple class codes — for example, a construction company might classify field employees under a trade code (like 5403 for carpentry) and office staff under 8810 (clerical). Proper payroll splits require clear records separating the duties, and misclassification is a common audit finding.
Why is picking the right class code important?
Class code selection directly drives premium. Using a higher-rated code when a lower one applies means overpaying; using a lower-rated code than you should means an audit adjustment later, potential claim denials, or carrier cancellation. Roofing (5551 in NCCI states; 5552/5553 in California), for example, can run 10x the rate of clerical work (8810) in the same state.