Study: Experience Rating Works For Workplace Safety

California’s experience rating system was designed to give employers a financial incentive to improve workplace safety by impacting how much workers’ comp coverage costs. New research data indicates that the system is working. Employers are becoming statistically safer after their X-Mod takes a hit due to workplace accidents. Researchers at the Workers’ Compensation Insurance Rating … Read More »

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Apartment Building Classification Dispute Goes To Court

A dispute between an owner of over two dozen apartment buildings and its workers’ comp carrier over the correct employee classifications has gone to a California Department of Insurance administrative law judge. The Administrative Law Judge will determine whether a classification is correctly applied and if additional premium is owed. The owner of the apartment … Read More »

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Courts Revive Challenges To Independent Contractor Tests

State and federal courts gave a boost to the legal fights gig economy companies are waging against California’s ABC test for differentiating between independent contractors and employees. A state court of appeal revived the industry-backed initiative to create an exception to keep app-based delivery drivers classified as independent contractors. Then, the Ninth Circuit Court of … Read More »

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April Hearing For September 1st Workers’ Comp Regulations

Insurance Commissioner Ricardo Lara will hold a virtual public hearing on April 24th to take public comment on the Workers’ Compensation Insurance Rating Bureau’s proposed regulatory changes for workers’ comp policies incepting on or after September 1st, 2023. The rule changes include a major restructuring of the classifications for the restaurant and tavern industry, updated … Read More »

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Workers’ Comp Loss Ratio For 2023 Filing Looks Better

California’s workers’ comp carriers’ experience last year improved over the prior year, according to a preliminary review of the 2022 experience the Workers’ Compensation Insurance Rating Bureau is making for its upcoming rate filing. Last year the Bureau filed for a 7.6% increase in the advisory pure premium rates arguing more premium was necessary. Insurance … Read More »

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Pandemic Era Changes Hampering Workers’ Comp Fraud Prosecutions

Prosecutors and investigators are making steady gains against medical providers and vendors intent on cheating the workers’ comp system. Officials say they’re suspending some 40 providers a week on average and should rid the system of another $500 million in suspect liens this year to go with the $701 million in liens already dismissed. However, … Read More »

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Fewer Classifications Will Be Limited Next Year

The Workers’ Compensation Insurance Rating Bureau will soon be making its regulatory filing for new rates effective with September 1, 2023, policies. The filing will include new classification relativity sheets that ultimately impact each class’s advisory pure premium rate, as well as the expected loss rates that affect employers’ X-Mods. “The class relativities are meant … Read More »

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Bureau Makes September 1 Regulatory Filing

The Workers’ Compensation Insurance Rating Bureau sent Insurance Commissioner Ricardo Lara its proposed updates to the Uniform Statistical Reporting Plan and the Experience Rating Plan regulations to take effect September … Read More »