保险基本原理第 247 / 531 题
Premium equals the rate multiplied by the number of exposure units. Which exposure base is normally used to rate workers compensation?
a.the total sales receipts the employer records for the term
b.the count of full-time employees listed on the payroll register
c.the square footage of the space the employer occupies
d.payroll by class code, for each $100 of remuneration
解析
Workers compensation is rated on payroll within each governing class code, priced per $100 of remuneration, because payroll tracks both the number of workers exposed and the time they spend at the work. Sales receipts and area are common exposure bases for general liability instead, and a simple headcount ignores wages, hours and the differing hazard of each job classification.
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