How your claims history affects your levies
Once your business has been running for over three years, we'll have a good picture of what your claims history looks like. We’ll then adjust your Work levy based on this history. Your levy can stay the same, be discounted or have a loading.
You could reduce your Work levy by preventing injuries at work and helping your injured employees get back to work sooner.
On this page
Due to the difficult times some businesses are facing, we’ve delayed invoicing until October for the 2020/21 financial year.
How you're put on a programme
As a business, you'll automatically join the No Claims Discount or the Experience Rating Programme. The programme you'll join depends on how much your Work levy is every year, over a three year period.
Exemptions from the programme
- payroll or income was below the set minimum in each of the three years
- business wasn’t operating.
If your Work levy is less than $10,000 – No Claims Discount
We look at your annual work levy over a three year period. If you’ve paid less than $10,000 in any one of those three years, you’ll fall under the No Claims Discount programme.
How you’ll get a discount
You’ll get a 10% discount on your Work levy if over the three year period your business has had:
No changes to your Work levy
Your Work levy will stay the same if over the three year period your business has had:
How you’ll get a loading
You’ll get a 10% loading on your Work levy if over the three year period your business has had:
If your Work levy is over $10,000 – Experience Rating Programme
We've improved Experience Rating to make it better for business. You can find out more about the changes on our business updates page.
Getting a discount or a loading
Through the Experience Rating Programme you could get up to 50% off your Work levy, or up to 75% added.
We look at your claims history for work-related injuries over the three year period. By comparing this against your levy risk group, we then work out if you’ll get a discount or a loading, and by how much. We look at:
- the number of weekly compensation days your employees have
- the number of claims for your employees with medical costs of over $500
- any accidental death claims.
We'll also look at your claims history and compare it to others in your levy risk group. Older claims carry less weighting, putting more emphasis on your more recent claims experience.
If you own more than one business
If you're the majority shareholder of more than one business, we’ll group your businesses together.
We look at how your group performs
Each business will still have their own levy rate based on the industry they work in. But, they'll all get the same levy discount or loading depending on the performance of the group.
Our business grouping and transfers guide has more information about:
- how we group your businesses together
- how buying or selling a business may affect your Experience Rating.
Improving your health and safety
If you want to know more about these programmes and how they affect your Work levy, contact your relationship manager. Or get in touch with the business team.
If you have a problem
Contact the Work Injury Inquiry team if there’s something on your claims history that’s not right. Eg, if your history shows a non-work related claim or a claim made by someone who isn’t on your payroll.
Phone 0800 222 096