Effective 1/1/2026:  The insured must be in business at least 2 years and meet one of the following premium criteria:

• $15,000 unmodified premium in the 1st year of the experience rating period or,
• An average of $15,000 unmodified premium in the first 2 years of the experience rating period or, 
• If an insured has more than 2 years of experience, they must develop an average annual unmodified premium of $7,500 in the experience rating period.