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… Plans Approved by the California Insurance Commissioner  …

Once the WCIRB determines a business is eligible for experience rating , its experience modification is calculated by comparing the actual losses to the expected losses. Actual losses are the medical and indemnity claim costs resulting from a work-related …

… California’s workers’ compensation system is established on a statewide basis. However, claim patterns and costs often vary across the state. The annual WCIRB Geo Study underscores regional differences in claim characteristics across …

… An experience modification (X-Mod) is an adjustment to an employer's premium based on comparing the employer's experience to the experience of its industry. Generally, an X-Mod of less than 100 percent reflects better-than-average experience and usually …

An experience rating worksheet, or ratesheet, provides a merit rating percentage known as an experience modification, or X-Mod, to qualified policyholders. The rating percentage is calculated based upon the policyholder's audited payroll and losses for …

… The Experience Modification Estimators are for insurers, agents and brokers to help policyholders understand how X-Mods are computed. …

… Explore WCIRB statistical data products and publications that are not directly accessible from this website.  …

… To accurately measure the cost of providing workers' compensation benefits, the WCIRB performs a number of functions. This includes collecting premium and loss data on every workers' compensation insurance policy. The data provides the basis for …

… The following educational resources and Policyholder Ombudsman information can help employers navigate complex workers’ compensation insurance rules and …

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