The present embodiments provide methods, systems, apparatuses and/or code for use in determining premiums. Some embodiments provide methods for use in determining premium. These methods identify a work entry; determine a payroll based on the work entry; retrieve a compensation rate based on the work entry; calculate a base premium as a function of the payroll and the compensation rate; retrieve a customer experience modifier assigned to the customer; retrieve a staffer experience modifier rate for an employee provider; and calculate a modified premium by: modifying the base premium by the staffer experience modifier rate when the staffer experience modifier rate is less than the customer modifier rate; and modifying the base premium by the customer modifier rate when the customer modifier rate is less than the staffer experience modifier rate.