Who writes the workers compensation policy language?

The National Council on Compensation Insurance (NCCI) plays a vital role in writing the workers' compensation policy language. NCCI develops standardized policies and forms that insurance companies can use, ensuring consistency and regulatory compliance across various states. This organization conducts research, collects data, and analyzes trends to help establish rates and guidelines that affect the workers' compensation insurance market.

While other entities, such as the Insurance Regulatory Authority or individual state insurance departments, may oversee or regulate workers' compensation policies within their jurisdictions, they typically rely on the standardized language and guidelines provided by organizations like the NCCI. The NAIC, on the other hand, sets broader insurance regulatory policies but does not specifically craft the language for workers' compensation policies. Therefore, the role of the NCCI is crucial in the creation and implementation of this specialized insurance language.