class code.

in the states where Riza is licensed.

Riza is a licensed insurance agency in New York, Colorado, Texas, Florida, Massachusetts, Arizona, Nevada, North Carolina, New Jersey and Georgia. Notes below cite the law they come from. Detailed write-ups cover Arizona, Nevada, Texas, North Carolina and New York. One-line notes for other licensed states appear with them when this term has one.

• ArizonaArizona uses NCCI’s four-digit class codes, with premium charged per hundred dollars of payroll in each code. Classification disputes go to the insurer, then NCCI’s dispute process, then the state.NCCI, ABCs of Experience Rating (2025) · NCCI, dispute resolution processcontractors in Arizona →
• NevadaNevada uses NCCI’s four-digit class codes. Classification disputes go to the insurer, then NCCI’s dispute process, then the state’s appeals process.NCCI, ABCs of Experience Rating (2025) · NCCI, dispute resolution processcontractors in Nevada →
• TexasTexas has used NCCI’s class codes, with Texas exceptions, since October 2014, when the old Texas manual expired. Classification disputes go through NCCI’s process and a Texas appeals board, and only the policyholder can appeal that board’s decision to the Department of Insurance.TDI, workers’ comp policy and premium rules · TDI notice, NCCI Item B-1432 (Texas disputes)contractors in Texas →
• North CarolinaNorth Carolina uses NCCI’s class codes through its own basic manual, maintained by the North Carolina Rate Bureau with state exceptions.NCRB Basic Manual, Rule 3contractors in North Carolina →
• New YorkNew York uses its own class codes, published by its rating board, NYCIRB. They don’t always match NCCI’s, so the same business can have a different code number in New York than in neighboring states.NYCIRB, New York Experience Rating Plan Manualcontractors in New York →
• ColoradoColorado uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• FloridaFlorida uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• GeorgiaGeorgia uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• MassachusettsMassachusetts uses class codes and rates set by its bureau, WCRIBMA; many codes follow NCCI numbering, but Massachusetts-specific codes and rules apply.WCRIBMA, Experience Rating Plan overview
• New JerseyNew Jersey uses its bureau NJCRIB’s own manual of roughly 600 classifications, with manual rates adjusted yearly, rather than the NCCI manual.NJCRIB, New Jersey Experience Rating booklet (2018)

every other state.

How it works everywhere else, with the rule each line comes from. Riza is not licensed in these states.

• AlabamaAlabama uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• AlaskaAlaska uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• ArkansasArkansas uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• CaliforniaCalifornia uses the WCIRB’s own Standard Classification System, whose four-digit codes are California-specific, so many don’t match the NCCI codes used in most states.WCIRB, California USRP (September 1, 2025 edition)
• ConnecticutConnecticut uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• DelawareDelaware uses its own classification system, published by the DCRB in the Delaware Workers Compensation Manual of Rules, Classifications and Rates, rather than NCCI codes.DCRB, Delaware Workers Compensation Manual of Rules, Classifications and Rates
• District of ColumbiaThe District of Columbia uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• HawaiiHawaii uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• IdahoIdaho uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• IllinoisIllinois uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• IndianaIndiana uses NCCI’s four-digit classification codes, applied through NCCI manuals that the state’s rating bureau, the ICRB, adopts for Indiana.ICRB, Experience Rating Overview
• IowaIowa uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• KansasKansas uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• KentuckyKentucky uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• LouisianaLouisiana uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• MaineMaine uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• MarylandMaryland uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• MichiganMichigan uses its own classification system, administered by CAOM through the Michigan Basic Manual and Statistical Plan, rather than NCCI’s manual.CAOM, About · CAOM, Experience Rating Options
• MinnesotaMinnesota uses classification codes from the Minnesota Basic Manual published by its bureau, MWCIA, and those codes are not identical to NCCI codes.MWCIA, Experience Rating FAQs · MWCIA, Minnesota Experience Rating Plan Manual
• MississippiMississippi uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• MissouriMissouri uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• MontanaMontana uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• NebraskaNebraska uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• New HampshireNew Hampshire uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• New MexicoNew Mexico uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• North Dakotastate fundNorth Dakota assigns employers to WSI’s own rate classifications from its annual Classification Manual, and premium is the rate times taxable payroll, which is capped per employee.WSI, 2026 Classification Manual
• Ohiostate fundOhio uses BWC manual classifications, four-digit codes based on the NCCI system, with Ohio base rates set by BWC, since private carriers can’t write Ohio workers’ comp.Ohio Admin. Code 4123-17-03, employer's experience rating plan
• OklahomaOklahoma uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• OregonOregon uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• PennsylvaniaPennsylvania uses its own classification system, set by the PCRB with three-digit codes, rather than the four-digit NCCI codes used in most states.PCRB, Experience Rating Plan
• Rhode IslandRhode Island uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• South CarolinaSouth Carolina uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• South DakotaSouth Dakota uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• TennesseeTennessee uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• UtahUtah uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• VermontVermont uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• VirginiaVirginia uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• Washingtonstate fundWashington uses L&I’s own risk classes, more than 300 of them, and charges premium per hour worked rather than per $100 of payroll.Washington L&I, Calculating Premium Rates · Washington L&I, Experience Rating
• West VirginiaWest Virginia uses NCCI’s four-digit classification codes from the Basic Manual, and premium is charged per $100 of payroll in each code.NCCI, ABCs of Experience Rating (2025 ed.): which jurisdictions use the Plan, split point, eligibility method, ownership changes (ERM-14 within 90 days) · NCCI, Dispute Resolution Process (classification, payroll allocation, experience mods)
• WisconsinWisconsin uses classifications published by its bureau, WCRB, in the Wisconsin manual, and those classifications are not identical to NCCI codes.WCRB, FAQ · WCRB Circular Letter 3261 (10/1/2024 rate revision)
• Wyomingstate fundWyoming classifies employers into industry classes tied to the North American Industry Classification System, with base rates set each year by the state’s Workers’ Compensation Division.Wyoming Legislature, Workers' Compensation presentation to Joint Labor Committee (June 2021) · Wyoming DWS, Workers' Compensation employer forms and resources

by trade.

• General contractorsContractors with both supervisors and field crews often have payroll in more than one construction code, which only holds up at audit with clean records.
• PlumbingPlumbing has its own construction classes, and shops that also do excavation or new construction may have work that rates differently.
• HVACHVAC installation and service can fall under different codes depending on the work, so the description of operations matters.
• ElectricalElectrical wiring within buildings has its own class, and low-voltage or line work can classify differently.
• RoofingRoofing carries some of the highest rates in comp, so a correct classification makes a large difference to premium.
• Landscaping and property vendorsLandscaping, tree work and snow removal can each classify differently, so payroll records by type of work help at audit.

where you’ll see it.

• Your workers’ comp policyThe information page lists each class code, its description, estimated payroll and rate.
• Audit resultsThe audit statement shows final payroll by class and any reclassification.
• QuotesEach quote is built on the class codes the insurer assigned, which is where to check first.

related terms.

Coverage it touches: Workers’ comp