Your EMod is costing you more than you think
Your experience modification rate follows you for three years and touches every premium, every bid, and every prequalification score. A high EMod is sand under your whole business.
At 1.25, you pay 25% more than an average company your size. At 0.80, you pay 20% less.
What's included
EMod review and analysis
We read your worksheet and show which claims drive the number.
Claims management support
Prompt reporting and follow through that keeps claim costs down.
Return to work programs
Modified duty that gets people back sooner and shrinks lost time.
Targeted injury prevention
Prevention aimed at the injury types costing you the most.
Experience period planning
Know which claims roll off and when your number will move.
Safety programs that move the number
Every program built to show up at your next renewal.
The Foundation Gap Model, applied
- 01AwarenessRead your EMod worksheet and know which claims drive it.
- 02ProcessPut claims reporting and return to work procedures in writing.
- 03KnowledgeTrain supervisors on reporting and early return.
- 04VerificationTrack claims, lost days, and recordables every month.
- 05AccountabilityMeasure the result at every renewal.
One 300 employee client saved $150,000 in premiums from their EMod drop alone over three years. That's before counting fewer medical bills, less lost time, and almost no recordables.
Run your numbers
Frequently asked questions
What is an EMod?
Your experience modification rate compares your workers' comp claims history with similar companies. 1.00 is average. Above 1.00 raises your premium, and below 1.00 lowers it.
How long do claims affect our EMod?
Most rating bureaus use a three year experience period that ends about a year before your policy starts, so a claim can affect your premium for several years.
How quickly can our EMod come down?
It moves at each annual rating as older claims roll off and fewer new claims come in. The work you do now shows up over the next few renewals.
Can you review our EMod worksheet?
Yes. Send it with your free assessment request and we will show you which claims are driving the number.