Experience Rating Plan Manual for Workers Compensation and Employers Liability Insurance

This manual contains the rules that govern the operation and administration of the Experience Rating Plan.

The Plan:

  • Helps you calculate your own test mods and preliminary mods
  • Provides the formula and the rating values underlying the experience rating calculation, including expected loss rates (ELRs), discount ratios (D ratios), and weighting and ballast values
  • Covers premium eligibility, ownership changes, employee leasing arrangements, loss limitation provisions, and more
  • Includes the experience modification formula used to determine the mod factor for all risks
  • Details rules and procedures related to the calculation and application of an experience modification factor when a change in risk ownership occurs
  • Contains instructions and forms that make it easier for you to submit experience rating data
  Description Affiliate Price Non-Affiliate Price
  All States Manual Subscription
  Online for all NCCI states plus IN, MA, and NC $306 per user, per year $612 per user, per year
  Single State Subscription
​Online for any single NCCI state or IN, MA, or NC ​$26 per user, per year ​$42 per user, per year
   Additional State Pages—includes ELRs, D ratios, and weighting and ballast values
  Online rate pages $17 per user, per year, per state $26 per user, per year, per state
  Taxes—Applicable state taxes will be added to each order

Affiliate Pricing—A company that has signed an NCCI Affiliation Agreement for states in which NCCI is the licensed rating and/or statistical organization and where the Affiliate is writing or licensed to write workers compensation insurance.

Non-Affiliate Pricing—A customer of NCCI that is not licensed and/or writing workers compensation in a state where NCCI is the licensed rating and/or statistical organization.

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