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  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-06",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
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  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "California's Experience Rating System - Online Guide to Workers' Compensation",
  "publisher": "Workers' Compensation Insurance Rating Bureau of California (WCIRB)",
  "url": "https://www.wcirb.com/research-and-education/online-guide-workers%E2%80%99-compensation/californias-experience-rating-system",
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  "jurisdiction": "CA",
  "publishedDate": "unknown",
  "effectiveDate": "n/a",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "Maintained alongside annual amendments to the Experience Rating Plan.",
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  "supportsClaims": [
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      "checksum": "69c0f364d6fc",
      "text": "The regulations governing California's experience rating system are contained in the California Workers' Compensation Experience Rating Plan-1995, which is part of the California Code of Regulations (Title 10; Chapter 5, Section 2353.1) and is approved by the Insurance Commissioner."
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      "text": "An experience modification, which is expressed as a percentage, compares the loss or claims history of one company to all other companies in the same industry that are similar in size."
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      "text": "Generally, an experience modification of less than 100 percent reflects better-than-average experience, while an experience modification of more than 100 percent reflects worse-than-average experience."
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      "text": "An experience modification that is greater than 100 percent usually increases the cost of an employer's workers' compensation insurance premiums, while an experience modification that is less than 100 percent usually decreases the cost of an employer's workers' compensation insurance premiums."
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    {
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      "checksum": "bba454671922",
      "text": "Not all employers are eligible for experience rating; for those businesses that qualify, experience rating is mandatory."
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      "text": "More than 130,000 California businesses are experience rated, representing approximately 80 percent of all California workers' compensation insurance premiums paid."
    },
    {
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      "checksum": "d3553e0d2e79",
      "text": "Using information submitted by insurers, the WCIRB calculates and publishes experience modifications for each qualified business, and regardless of which insurer provides the workers' compensation insurance policy, if an employer is experience rated their experience modification must be applied to their policy."
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      "text": "The experience rating system is a merit rating system intended to provide employers a direct financial incentive to reduce work-related accidents."
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      "kind": "Question",
      "title": "How do workers compensation class codes affect a quote?",
      "url": "https://bestinsuranceresearch.com/questions/workers-comp-class-codes"
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    {
      "kind": "Module",
      "title": "Workers Compensation Classification (3 checks)",
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  "citation": {
    "text": "Workers' Compensation Insurance Rating Bureau of California (WCIRB). \"California's Experience Rating System - Online Guide to Workers' Compensation.\" unknown. https://www.wcirb.com/research-and-education/online-guide-workers%E2%80%99-compensation/californias-experience-rating-system (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record wcirb-experience-rating-system, content version 2026.08.31. https://bestinsuranceresearch.com/sources/wcirb-experience-rating-system",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
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