OAKLAND, CA - The premiums insured employers pay for workers' compensation insurance are calculated according to experience modification ratings (Xmods) based on number and cost of claims. The lower the Xmod, the lower the premium --- and the less likely the employer is to find itself on Cal-OSHA's high hazard employer list. (See "Invoices," NEWS p. 00-6307.)As we reported in September, the Workers' Compensation Insurance Rating Bureau, the statistical agent for the Department of Insurance, which ca
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