If you have a question or concern regarding insurance coverage, or if you are an existing policyholder, feel free to contact our Employer Services Department via email at
Experience rating is a projection of future losses using the employer’s past claims
history. Your individual experience rate directly impacts the amount of premium you will be charged.
While the rate classification system provides for the distribution of premium to
various industries and exposures, WSI offers an experience rating program to
further focus premium load within a given industry. Generally, employers with a good loss history are rewarded with
premium discounts. Employers with a
poor loss history are charged premium above the manual rates.
Qualifying for experience rating:
Beginning with an employer’s fifth year of North Dakota operations, accounts may be
experience rated. To qualify for
experience rating, an account must have a minimum aggregate premium of $15,000
over the 3 year experience-rating period. Maximum discounts and surcharges will vary depending upon the size of
the individual policy.
For detailed information, please contact Employer Services at (701)
328-3800 or 1-800-777-5033.