Experience based rating
Experience based rating (EBR) is the method we use to determine how much premium each employer pays. We calculate your premium by multiplying your wages by the premium rate.
EBR links your premium rate with your claims experience. This means the more claims you have, the more likely your premium rate will increase. If you have no claims or claims with minimal costs, your premium may reduce.
EBR is a fair way to calculate your premium because it gives you a chance to control your premium through claims management.




