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NCCI Information

Helpful resources and information about Chesapeake Employers affiliation and conversion to NCCI.

Now a Member of NCCI

Chesapeake Employers’ Insurance Company is a fully affiliated member of the National Council on Compensation Insurance (NCCI), effective January 1, 2023. As a result, Chesapeake Employers has adopted NCCI’s:

  • Rating methodology
  • Experience modification
  • Scheduled rating plan
  • Loss costs

What this means...

  • Chesapeake Employers will be fully adopting the NCCI schedule rating plan.
  • Schedule credits/debits +/-25% can be applied to eligible policies with $10,000 in annual premium.
  • Chesapeake Employers Merit Rating plan continues with a new threshold for 2023.
  • Merit Rating can now be applied to accounts with premium less than $13,000 with 24 months experience or less than $6,500 for annual average premium.
  • If an NCCI experience mod exists, it will take precedence over the merit rating factor for the account.
  • This premium credit plan is a program offered by NCCI. Chesapeake Employers at issuance of the policy will provide the program form required to be completed by the insured.
  • Potential insured accounts identified at policy issuance based on these qualifying construction class codes.
0042 5020 5160 5223 5472 5507 5705 6214 6251 7855
0050 5022 5183 5348 5473 5535 6003 6216 6252 8227
1322 5037 5188 5402 5474 5537 6005 6217 6306 9534
2799 5040 5190 5403 5478 5551 6018 6229 6319 9554
3365 5057 5213 5437 5479 5606 6045 6233 6325  
3719 5059 5215 5443 5480 5610 6204 6235 6400  
3724 5102 5221 5445 5491 5645 6206 6236 7538  
3726 5146 5222 5462 5506 5703 6213 6237 7605  
  • The insured has 180 days from the effective date to submit the Construction Classification Premium Reduction Program form to NCCI.
  • If a credit is applicable, it will be communicated to Chesapeake Employers by NCCI and applied back to effective date.
  • Policyholders with a documented alcohol and drug-free workplace program can receive up to a 4% premium credit if the account meets the eligibility criteria set by Chesapeake Employers. Contact your agent or Chesapeake Employers’ underwriter for eligibility criteria.
  • Chesapeake Employers will utilize the Audit Noncompliance Charge (ANC) endorsement for each policy at inception.
  • The endorsement enables Chesapeake Employers to apply an ANC to policyholders who do not allow us to examine their records to perform a final audit on their workers’ compensation policy following policy expiration.
  • In addition, failure to cooperate with the audit after the second noncompliance charge may result in a cancellation of workers' compensation coverage.

Get Your Experience Rating Worksheet From NCCI

Schedule Credits/Debits

  • Chesapeake Employers will be fully adopting the NCCI schedule rating plan.
  • Schedule credits/debits +/-25% can be applied to eligible policies with $10,000 in annual premium.

Merit Rating Threshold for Smaller Policyholders

  • Chesapeake Employers Merit Rating plan continues with a new threshold for 2023.
  • Merit Rating can now be applied to accounts with premium less than $13,000 with 24 months experience or less than $6,500 for annual average premium.
  • If an NCCI experience mod exists, it will take precedence over the merit rating factor for the account.

Maryland Construction Classification Premium Reduction Program

  • This premium credit plan is a program offered by NCCI. Chesapeake Employers at issuance of the policy will provide the program form required to be completed by the insured.
  • Potential insured accounts identified at policy issuance based on these qualifying construction class codes:
0042 5020 5160 5223 5472 5507 5705 6214 6251 7855
0050 5022 5183 5348 5473 5535 6003 6216 6252 8227
1322 5037 5188 5402 5474 5537 6005 6217 6306 9534
2799 5040 5190 5403 5478 5551 6018 6229 6319 9554
3365 5057 5213 5437 5479 5606 6045 6233 6325  
3719 5059 5215 5443 5480 5610 6204 6235 6400  
3724 5102 5221 5445 5491 5645 6206 6236 7538  
3726 5146 5222 5462 5506 5703 6213 6237 7605  
  • The insured has 180 days from the effective date to submit the Construction Classification Premium Reduction Program form to NCCI.
  • If a credit is applicable, it will be communicated to Chesapeake Employers by NCCI and applied back to effective date.

Maryland Alcohol and Drug-Free Workplace Premium Credit

  • Policyholders with a documented alcohol and drug-free workplace program can receive up to a 4% premium credit if the account meets the eligibility criteria set by Chesapeake Employers. Contact your agent or Chesapeake Employers’ underwriter for eligibility criteria.

Premium Audit Noncompliance Charge (ANC)

  • Chesapeake Employers will utilize the Audit Noncompliance Charge (ANC) endorsement for each policy at inception.
  • The endorsement enables Chesapeake Employers to apply an ANC to policyholders who do not allow us to examine their records to perform a final audit on their workers’ compensation policy following policy expiration.
  • In addition, failure to cooperate with the audit after the second noncompliance charge may result in a cancellation of workers' compensation coverage.