Industry Tools
Class Codes Finder
A guide to insurance class codes and classifications, with links to the official NAICS and NCCI lookups.
A Guide to Insurance Class Codes
Insurance class codes are the backbone of commercial insurance rating. Every business is assigned codes that reflect its operations, and these codes directly determine base premium rates. Ensuring your business is correctly classified is one of the most impactful steps you can take to control insurance costs.
SIC/NAICS Codes
Standard Industrial Classification and North American Industry Classification System codes categorize businesses by activity type, forming the foundation for insurance class code assignment.
Class Code Lookup
Identifying the correct insurance class codes for your business operations ensures you are compared against the right peer group for rating purposes. Official lookups are linked below.
Premium Impact
Class codes directly determine base premium rates. Understanding how your classification affects pricing helps identify opportunities to optimize coverage costs through accurate reporting.
Code Accuracy
Incorrect class codes can result in overpayment, audit surprises, or coverage disputes. Regular classification reviews ensure your business operations are accurately reflected in your policies.
Look up a code
Use the official lookups to find a code: the U.S. Census Bureau for NAICS industry codes, and NCCI for workers compensation class codes. Our advisors can confirm the right classification for your policy.
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