NCCI Names Most Reclassified Workers Compensation Class. (National Council on Compensation. There is not a single rule in NCCI’s Basic Manual on how to. ![]() 1- 800-288-9256 Insurance Requirements & Regulations by State Workers' Compensation insurance is regulated on a State-by-State basis, and so there can be important differences in the way employers handle their Workers' Compensation exposures in various states, and important differences in how premiums are calculated. Here are some details, state by state, with links to important regulatory agencies. Most 800 numbers shown are for in-state calls only. A lot of the states are shown here with the notation 'an NCCI state'. This means that the state uses the various manuals, classification system, and experience rating formula developed by the National Council on Compensation Insurance, or NCCI. NCCI is not a regulatory agency, though sometimes people think it is. It is an independent not-for-profit corporation created by the insurance industry to consolidate and standardize the fine details of Workers Compensation insurance premium computation. So NCCI develops manuals of rules that govern things such as what kinds of work get assigned to particular classification codes, how much payroll gets used to compute premium charges (and what gets excluded and under what circumstances). NCCI also does the actuarial work to develop manual rates (or at least the loss costs that are the major component of manual rates) and computes experience modification factors for employers in those states that use the NCCI system. NCCI is not the only Workers Compensation rating bureau in the U.S.--some states have their own independent rating bureaus. And monopoly fund states don't have a rating bureau at all, as everything is handled by the state agency (but Ohio's monopoly fund does use the NCCI classification code system nowadays.) Also, please keep in mind that the technical details regarding Workers' Compensation and premium computation are always subject to change and revision. AIM tries to keep this information current and accurate, but cannot guarantee that it is always so. To be prudent, we recommend that employers verify with appropriate insurance regulators any information pertaining to Workers' Compensation insurance premium computation and coverage. Alabama Alabama is an NCCI state, so Workers Comp insurance policies follow NCCI manual rules. Employers here must either purchase a Workers Compensation insurance policy from an approved insurance company, or be approved to self-insure (realistic only for larger employers.) Employers with more than four employees (full or part-time) must have Workers Comp insurance (or obtain coverage via another approved method.) In Alabama, employers can meet their Workers Comp obligations by either purchasing insurance, becoming a member of a group self-insurance trust, or by being approved as a self-insurer. One other option is to obtain coverage by means of a PEO (Professional Employer Organization)—otherwise known as employee leasing. If a company is incorporated or an LLC the officers and members are counted as employees. And all employers with more than four (4) employees are required by Law to carry workers’ compensation insurance. However, an officer may elect to be exempt by filing a (Officer Exemption Notice) to the Department of Industrial Relations, Workers' Compensation Division and the employer's insurance carrier.
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