The National Council on Compensation Insurance (NCCI) is a U.S. insurance rating and data collection bureau specializing in workers' compensation. Operating with a not-for-profit philosophy and owned by its member insurers, NCCI annually collects data covering more than four million workers compensation claims and two million policies. The bureau uses this information to provide: NCCI also produces a number of manuals that govern the details of how Workers Compensation insurance premiums are calculated in many (but not all) states. Among these manuals are the Basic Manual (which sets out rules on the classification code system, payroll amounts used to compute premiums, and changes in classifications and premiums); Experience Rating Manual (which details rules governing how Experience Modification Factors are computed and used in Workers Compensation insurance premiums); and the Scopes Manual (which details how NCCI intends the various classification codes to be assigned to various kinds of employment). NCCI also computes the experience modification factors used in most states to adjust employers' Workers Compensation insurance premiums, using loss and payroll data reported by the various member insurance companies that are part of NCCI.