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Ownership and Experience Rating

Ownership and experience rating can be complex and at times confusing when navigating the intricate regulations. In addition to illuminating the Ownership process, this new self-paced course demystifies the impact on an experience modification (X-Mod) when a business is sold or acquired by new owners and much more. The course also provides step-by-step methods to evaluate a change in ownership and ascertain whether the experience should apply to a new owner.

Composed of 8 modules (5 hours of training), the Ownership and Experience Rating course will help learners:

  • Review changes in ownership for businesses and determine what happens to the X-Mod.
  • Identify when businesses that share common ownership must be combined for experience rating.
  • Know when separate entities can be covered on the same policy.
  • Understand why it is important to obtain detailed ownership information when underwriting a policy.
  • Use WCIRB Connect to submit and check the status of a change in ownership for a policyholder.

The Ownership and Experience Rating course is approved for 5 Continuing Education (CE) credits toward a Property & Casualty license with the California Department of Insurance.


To purchase a course, create a user account for WCIRB CompEssentials by registering at one of the following buttons:

    CompEssentials Course Pricing