Affordable Workers' Compensation insurance

Mikkelsen Insurance Services

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	Workers' Compensation: A system established under state law that provides payments, without regard to fault, to employees injured in the course and scope of their employment.
	Workers' Compensation Insurance: Insurance against liability imposed on certain employers to pay benefits and furnish care to employees injured, and to pay benefits to dependents of employees killed in the course of or arising out of their employment.
	Frequently asked questions:
	What is the California Workers' compensation experience rating plan?
	Experience rating is a merit rating plan approved by the California insurance commissioner. Using this plan, an effective accident prevention program can save you money by lowering your workers' comp premium. There is a minimum premium level necessary to qualify.
	What is the rating period used to compute experience modification?
	The rating period covers three years, beginning four years and nine months prior and ending one year nine months prior to the date for which an experience modification is to be established. For example, a policy beginning 7/1/98 will develop an x-mod based on experience from policies between 10/1/93 and 10/1/96.
	How does my safety record affect my experience modification?
	Three factors in your safety record determines your x-mod:
	Number of accidents.
	Cost of accidents.
	Size of your business.
	The total number of accidents weighs more heavily than their total dollar cost since accident frequency reflects the relative safety of your operation.
	How can I take advantage of savings available?
	Accident prevention is the key. A better safety record means a lower experience modification. A lower experience modification means lower net cost to you.
	For a FREE quote click here!

Mikkelsen Insurance Services specializes in "service you can count on." We will help you find answers to your most pressing questions. Such as, What to do when an accident happens, How to handle Workers' Comp claims, or Ways to spot Workers' Comp Fraud. Give us a call today!

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