experience rating ZVT določanje premije na podlagi škodnega poteka nasprotno od določanja premije na podlagi cenikov; pogosto pri zavarovanju delodajalčeve odgovornosti
An employer will be fully experience rated once three years of loss history is available for comparison. Those employers whose premiums are too small to qualify for experience rating are usually given a "merit rating" plan, which is developed by their specific carrier.
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