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Learn how experience ratings in insurance impact premiums and risk assessment, incentivizing better risk management. Key insights into workers' compensation included.

Christina Majaski writes and edits finance, credit cards, and travel content. She has 14+ years of experience with print and digital publications. Robert Kelly is managing director of XTS Energy LLC, ...

As a writer for Forbes Home since 2021, Emily specializes in writing about home warranties, solar installations, car transportation and moving companies. With a background in journalism and experience ...