Odds are you didn’t study insurance in college. And odds are you don’t spend your free time reviewing the latest actuarial tables. (If you do, please see our careers section!) As for the rest of you, we invite you to experience our calculators. They’re great tools to check up your existing coverage and even play a little, “What if?”.

Math was always easier with a calculator. Same is true with insurance!



Your incident and DART (Days Away, Restrictions and Transfers) rates are OSHA safety metrics that help you understand the effectiveness of your safety and risk management programs. Your incident rate shows the total number of OSHA-recordable injuries and illness per 200,000 hours. The rate is viewed as a percentage of injuries per 100 employees per year. Your DART rate calculates the rate of days away, restrictions and transfers per 200,000 worked. By viewing the rates in this calculator, you can determine if a change should be made to your current risk management program.

Simply complete the forms in Steps 1 and 2 below and hit calculate. A window will display your results instantly, and a copy will be emailed to you for your reference. 

Contact Information

Signup now and have your results displayed online immediately. We’ll also email you a copy for your records as well!

Incident Rate & DART Rate

To Calculate Your Incident Rate:


To Calculate Your DART Rate:

To understand whether you’re performing at or better than your industry average, visit the Bureau of Labor & Statistics website where you can research your industry benchmarks. For more information, please consult your insurance broker or contact Assurance for a more detailed analysis.