Arizona classifies workers comp payroll under NCCI's system, and the carrier assigns classifications from the work your employees do. The codes in use appear on your policy's declarations or classification schedule, and NCCI's Class Look-Up shows their wording at no charge once you sign in. If a rating system was applied to your policy incorrectly, Arizona's workers' compensation appeals board can review it.
NCCI is Arizona's licensed rating organization, so Arizona employers are classified under NCCI's system, not California's WCIRB list. The carrier reads that wording against what your people do and assigns the classifications on your policy. This site doesn't pick a code for you or confirm one; which classification applies depends on actual duties and on the carrier's determination.
An Arizona workers comp class code lookup starts with your own policy, not a table found online. A code number that looks close to your work may still be the wrong one for your payroll.
With no policy yet, the carrier assigns classifications at underwriting from the work you describe, by task and by person. Once you have codes, you can build your crew by class code.
NCCI's Class Look-Up shows classification codes, state phraseology and scope descriptions online. NCCI lists online access as No Charge for affiliates and non-affiliates, and you sign in to an NCCI account to launch it. Because NCCI's terms bar republishing, this page points you to the tool rather than reprinting it; the address is in the sources below.
The ROC license you hold and the classifications on your policy answer different questions. A license class such as C-37 Plumbing or B General Residential Contractor sets the work you may contract for. A workers comp classification groups payroll by the operation employees perform, so one license holder may carry several classifications. The license file asks something narrower: under Arizona Revised Statutes 32-1122(B)(1)(i), the application carries a statement that you comply with workers comp law, plus the policy number when you must carry coverage.
Classifications often get a second look at the premium audit, when the auditor sees who did what over the term. Arizona adds a limit. Its waiver statute, 23-961, says a carrier may not collect premium on people it alleges are employees under the contractor or control rules unless it first makes written audit findings. For contesting a bill, read how to dispute a workers comp audit, and use the contractor audit kit to gather records.
Owner-only policies add a new step. From July 1, 2027, a business on a zero estimated exposure policy that takes on an employee sends its insurer a written notice within 60 days listing that person's estimated payroll and class codes. The carrier still decides the classification; for owners, see Arizona owner workers comp election.
Carrying Over a California Code or a License Class
A common mistake on an Arizona application is to copy a California WCIRB code from an old policy, or to enter an ROC license class where the workers comp class belongs. Neither carries over. Describe the work and let the carrier assign the Arizona classifications, then check them against the declarations.
Arizona sets up a review route in Arizona Revised Statutes 20-367 and 20-367.01. The workers' compensation appeals board sits in the Department of Insurance and Financial Institutions. A person aggrieved by the way a rating system was applied to their insurance may ask it in writing for review. The statute speaks of applying a rating system rather than of classification by name, so frame the request in those terms.
Keep a copy of every letter. The Arizona statutory employer rule decides whose payroll belongs on your policy in the first place.
The workers comp classification codes page shows how each state publishes its lists, and crews that cross state lines can compare Nevada workers comp class code lookup and California workers comp class codes. NCCI has proposed an average decrease of 0.2% for January 1, 2027; workers comp rate changes tracks it.
Valley builders can start from Phoenix contractor workers comp. When you're ready, get an Arizona contractor workers comp quote, and a licensed broker reviews the classifications the carrier proposes with you.
Send your trade, state and payroll, and a broker reviews the request. If you would rather talk first, leave a number.
Swipe or use the arrows for every answer.
On NCCI's Class Look-Up. NCCI lists online access as No Charge, and you sign in to an NCCI account to open it. Search the code number from your declarations page and read the Arizona wording. NCCI doesn't allow its material to be republished without permission, so this site doesn't print codes.
No. An ROC license class describes the work you may contract for, and a workers comp classification describes the operation your employees perform. They come from different systems with different numbers. Your workers comp classifications are on your policy's declarations page, assigned by the carrier.
Yes, on request. Under Arizona Revised Statutes 20-367.01, a rating organization or insurer must give an affected insured the information related to its rate when asked in writing, and it may charge a reasonable fee. Ask the carrier first and keep a copy of the request.
The workers' compensation appeals board at the Department of Insurance and Financial Institutions. A person aggrieved by how a rating system was applied may ask it in writing for review, and its decision may be appealed to the director within 30 days after the board mails it. Start with the carrier, which may correct an error without a review.
No. We don't assign, suggest or confirm class codes. Classification depends on the actual duties of your people and the carrier's determination. We can help you describe the work clearly for a quote and read what a carrier proposes.
For policies from July 1, 2027, Arizona Revised Statutes 23-911 calls for written notice to the insurer within 60 days of hiring, giving that worker's estimated payroll and codes. The carrier then decides the classifications for that payroll. Keep a copy of the notice with your policy.
8 official sources
Reviewed by David Gleason, Principal, on .
Next Level Experience. Insurance Done Right.
Arizona classifications, checked against your own policy and the official lookup.
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