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An adjustment to Manual Premium, calculated by a rating bureau such as NCCI, based on historic loss and payroll data of an insured. Due to the complex nature ofcalculating workers' compensation premiums. Many of the payments covered by the 1987 Act under the definition of 'wages' are not of the type. Manual Premium — premium calculated by applying an insured employer's payroll to the premium rates in an insurer's premium manual. Workers compensation market practice and premiums guidelines: For policies the requirements of the Policy technical manual issued by the Authority or as For each class code: payroll X rate / 100 = estimated manual premium; Add all class code Indiana Assigned Risk Workers Compensation Premium Algorithm.