Nevada's Division of Insurance posts industrial insurance advisory loss costs by NCCI class code number, with no description of the work beside each number. Your carrier matches classifications to what your crews do, and they appear on your policy. An employer that believes the risk classification assigned to it is wrong may file a written grievance with Nevada's Appeals Panel for Industrial Insurance.
Nevada workers comp class codes come from NCCI's classification system. The Division of Insurance posts NCCI's Nevada loss cost filings, and NCCI's Nevada approval circular also issues Nevada pages for its experience rating plan. The carrier assigns classifications from the operations your employees perform. Which code applies turns on the duties people actually perform and the carrier's determination. No one at this site picks or confirms a code.
California's WCIRB codes don't carry over, even for the same crew doing the same work across the state line.
The Division posts the advisory loss cost file on its workers compensation filing page. The file effective March 1, 2027 is headed Advisory Loss Costs - Not Rates. Its class pages are columns of figures: each row gives a class code number, the advisory loss cost for that code and, where one applies, a footnote letter. Nothing beside a number says what work it describes. For that, the file sends readers to the classification section of NCCI's Basic Manual.
That layout is why this site doesn't print Nevada code numbers. A number with no wording invites a reader to pick whichever looks closest, and choosing a classification is the carrier's call. The file is most useful once you hold your own codes:
The declarations page lists the classifications in use. Nevada also requires employers to keep the policy and its declarations page available for inspection at every location (Nevada Revised Statutes 616A.495), so the page should already be within reach at the office and on the job. A premium audit report shows how the auditor placed payroll by code at the end of a term.
For the wording behind a number, NCCI's Class Look-Up is the official source. Online access is listed as No Charge, an NCCI login is required, and NCCI's terms bar republishing what it shows. Read the Nevada wording, compare it with what each person does, and note any mismatch. With codes in hand, Crown Your Crew lays out a crew by class.
The file's heading means what it says. An advisory loss cost is a starting figure a carrier works from, not the rate on your policy, and your premium also depends on payroll, any experience modification and the carrier's own filed factors.
Loss costs move by filing. The law-only filing for October 1, 2026 lowered the overall average by 32.8% because more of each employee's payroll now counts under the new limit, and it was expected to be premium neutral statewide. An average increase of 8.6% for March 1, 2027 was approved on September 18, 2026. A single code may move more or less than the average; Nevada loss cost changes has the history.
Each employee's pay goes under the classification for their work, counted up to Nevada's per-employee limit of $102,452.16 for policies from January 1, 2027. Owner pay is handled apart from that limit: Nevada counts each paid officer or LLC manager within a yearly band from $6,000 up to $36,000. The Nevada workers comp payroll cap tool gives the limit for any policy period, and Nevada sole proprietor industrial insurance explains owner elections.
Under Nevada Revised Statutes 616B.772, an employer that is not self-insured and believes circumstances specific to its case require review may file a written grievance with the Appeals Panel for Industrial Insurance. The grievance can concern the classification of risk assigned to the business, its experience modification or the application of supplementary rate information. A panel decision may be appealed to the Commissioner under Nevada Revised Statutes 679B.310.
The panel doesn't hear complaints about the effect of a classification that applies to every employer classified the same way, so a grievance typically needs to show why your operations differ from the wording the carrier used. If the disagreement starts at audit, follow how to dispute a workers comp audit first.
Carrying a California Code Into Nevada
A common mistake for contractors who also work in California is to put a WCIRB code on a Nevada application, or to expect a California rate for a Nevada crew. Nevada classifies under NCCI's system and rates on its own loss costs. Describe the work by task and let the carrier assign the Nevada classifications.
Pull the declarations page, list each person's work and compare the two. The workers comp class code lookup page shows how each state publishes its classifications, and contractors with Arizona jobs can check your Arizona class code the same way. The Nevada industrial insurance for contractors page covers the state's other rules, and northern Nevada crews can start from Reno contractor workers comp.
When you're ready, get a Nevada contractor industrial insurance quote and a licensed broker will walk through the carrier's proposed classifications with you.
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They're in the advisory loss cost files on the Division of Insurance's workers compensation filing page. They list NCCI class code numbers with loss costs, without descriptions. The classifications on your own declarations page are the ones your carrier is using for you.
Because it is a loss cost filing, not a manual. It lists code numbers, loss costs and footnote letters, and it refers readers to the classification section of NCCI's Basic Manual for the wording, which NCCI's Class Look-Up shows once you sign in.
No. The file itself is headed Advisory Loss Costs - Not Rates. A carrier works from the loss cost to build its own rate, and your premium also depends on payroll, any experience modification and the carrier's filed factors.
The approved average voluntary loss cost change for March 1, 2027 is an increase of 8.6%. That is an average across all codes. A single classification may move more or less, so compare your own code numbers in the two files or ask the carrier how your renewal changed.
Start with a written question to the carrier and the records that show the work. If that doesn't settle it, an employer that isn't self-insured may file a written grievance over the classification of risk with the Appeals Panel for Industrial Insurance, and the panel's decision may be appealed to the Commissioner.
The state's file gives numbers without descriptions, and pairing a number with a trade would amount to suggesting a code, which we don't do. The right classification is a matter of actual duties and the carrier's determination. Your declarations page and NCCI's Class Look-Up are the places to read your codes and their wording.
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Reviewed by David Gleason, Principal, on .
Next Level Experience. Insurance Done Right.
Nevada classifications read from your own policy, with the state's file explained in plain words.
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