Excess Loss Factors

Excess Loss Factor Calculations

This product contains aggregate industry data, assumptions, and the methodology underlying the ELFs. Also provided, by loss limit and hazard group, are the resulting ELFs for the applicable states.

ELFs are helpful for evaluating reinsurance and retrospectively rated policies. Details on NCCI's methodology for deriving excess ratios are included in a companion product, Excess Loss Factor Parameters and Tables.

Excess Loss Factor Parameters and Tables

This product provides the assumptions and methodology used in NCCI filings to derive excess ratios. Also included are the excess loss curve parameters and sample test values.

The Excess Loss Factor Parameters and Tables product includes information for each state, as well as on a countrywide basis, allowing you to update your own excess loss models using the latest parameters.

  • Actuarial Consulting
  • Agents/Brokers
  • Carriers
  • Data Reporters
  • Independent Bureaus
  • Regulators/Legislators
Media Available
  • Downloadable Microsoft® Excel File
  • Mobile-Friendly
  • Online
  • PDF
  Description Affiliate Price Non-Affiliate Price

Excess Loss Factor Calculations

  All states  No Charge $20,000
​Individual state  ​No Charge ​$850
Excess Loss Factors Parameters and Tables
​All States and National combined in one file ​No Charge ​$20,000
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.