What Are All These Adjustments On My Policy?

There may be many additional adjustments to your base premium, such as:
  • schedule rating,
  • expense constant,
  • experience modification factor,
  • premium discount, and
  • second injury fund surcharge.

All of these adjustments are made to determine your final premium due to the insurer. If you are not sure about an adjustment, you should call your agent or insurer and ask them to explain the adjustment.

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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