Experience Rating In Rem and In Personam

Among the peculiar questions that arise as an incident to the rating of workmen's compensation risks, I can think of nothing quite so important from the viewpoint of the individual policy holder as the question whether experience incurred under workmen's compensation policies shall attach or follow the person, i. e. the employer, or the risk. In order to fully appreciate the importance of arriving at a fair decision on this question, it is well to bear in mind the fact that the status of the employer is not fixed permanently. As the owner of the enterprise, the employer frequently changes his legal form and the style of his organization.