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  "title": "Workers' Compensation (Commercial Insurance Guide series)",
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      "text": "CDI states that all California employers must provide workers compensation benefits to their employees under California Labor Code Section 3700."
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      "text": "CDI states that there are five basic types of workers compensation benefits: medical care, temporary disability benefits, permanent disability benefits, supplemental job displacement benefits, and death benefits."
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      "text": "CDI states that employers' liability insurance is offered under Part Two of a workers' compensation and employers' liability insurance policy, and that Part Two protects the employer against instances in which an employee's injury or disease is not subject to the workers' compensation laws."
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      "text": "CDI states that classifications that group distinct and identifiable occupations, industries, or businesses are developed and assigned codes by the Workers' Compensation Insurance Rating Bureau of California (WCIRB) and are approved by the Insurance Commissioner."
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      "text": "CDI states that the payroll for each classification is estimated and then multiplied, per each $100 of payroll, by the applicable rate."
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      "text": "CDI states that generally an experience modification of less than 100 percent reflects better-than-average experience and an experience modification of more than 100 percent reflects worse-than-average experience, and describes the modification as comparing an employer's loss history against similar-sized employers in the same industry classification."
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      "text": "CDI states that California workers compensation insurers operate under an open rating system, meaning individual companies set rates based on their ability to adequately cover losses and expenses in each industry classification."
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      "text": "CDI states that workers' compensation insurers assign a specific rate to each industry classification code and that these rates must be filed with the CDI."
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      "text": "CDI states that the final premium of a workers' compensation policy cannot be calculated until the policy term is over and the employer's payroll records have been audited."
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      "text": "CDI states that a dividend plan is a type of rating plan that allows an employer to share in the profits of its workers' compensation insurer in the form of a dividend."
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      "text": "CDI states that to become self-insured a business must obtain a certificate from the DIR's Office of Self-Insurance Plans (OSIP)."
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      "text": "CDI states that State Fund is a state-operated entity that exists in order to transact workers' compensation on a non-profit basis, competes with private workers' compensation insurance companies for business, and also operates as the insurer of last resort if private companies are not willing to offer workers' compensation insurance."
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      "text": "Classifications that group distinct and identifiable occupations, industries, or business are developed and assigned codes by the Workers' Compensation Insurance Rating Bureau of California (WCIRB) and are approved by the Insurance Commissioner."
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      "text": "Workers' compensation insurers generally use these classifications when writing workers' compensation policies."
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      "text": "Insurance companies are allowed to develop and submit their own classification system to the CDI for approval, but this is uncommon due to the strict standards required to file a separate workers' compensation classification system."
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      "text": "The payroll for each classification is estimated and then multiplied, per each $100 of payroll, by the applicable rate, and the sum of the equation is referred to as the base premium."
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      "text": "The base premium continues to be modified, increased or decreased, using rating plans (usually schedule or judgment rating) and by experience modification."
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      "text": "An employer's experience modification is calculated from payroll and loss information that insurance companies are required to submit to the WCIRB on an annual basis, using a mathematical formula approved by the CDI."
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      "text": "An experience modification of less than 100 percent reflects better-than-average experience, and an experience modification of more than 100 percent reflects worse-than-average experience."
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      "text": "The WCIRB provides a policyholder ombudsman, who is available to answer questions from employers on classification, experience modification, and rating issues."
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      "text": "The final premium of a workers' compensation policy cannot be calculated until the policy term is over and the employer's payroll records have been audited."
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      "text": "Title 10, California Code of Regulations Sections 2509.40 through 2509.78 list detailed procedures for disputing experience modifications and classification assignments, including appeals to the CDI."
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    "text": "California Department of Insurance. \"Workers' Compensation (Commercial Insurance Guide series).\" unknown. https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/WorkersCompensation.cfm (retrieved 2026-08-31).",
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