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VIEW ALL SERVICESLower Your Ex Mod. Cut Your Costs.
Your Experience Modification Rate (Ex Mod) directly impacts your workers' compensation premiums. We help businesses reduce their Ex Mod below 1.0, saving thousands annually.
What is Your Experience Modification Rate?
Your Ex Mod (also called EMR or Experience Mod) is a number that directly multiplies your workers' compensation premium. It's calculated based on your company's 3-year claims history compared to similar businesses in your industry.
Above 1.0 = Higher Premiums
An Ex Mod of 1.25 means you pay 25% MORE than the base premium. You're considered higher risk.
1.0 = Industry Average
An Ex Mod of 1.0 means your claims experience matches the industry average.
Below 1.0 = Lower Premiums
An Ex Mod of 0.75 means you pay 25% LESS than the base premium. You're a preferred risk.
Ex Mod Premium Impact Calculator
A 0.50 reduction in your Ex Mod on a $100,000 premium saves you $50,000 per year. Over a 3-year policy period, that's $150,000 in savings.
Calculate Your Potential SavingsHow Your Ex Mod is Calculated
Understanding the factors that influence your Ex Mod is the first step to reducing it.
Experience Period
Your Ex Mod looks at 3 years of data, excluding the most recent year. This means claims from 2–4 years ago impact your current rate.
Claim Frequency vs. Severity
Multiple small claims hurt your Ex Mod more than one large claim. The formula weighs frequency heavily because it indicates systemic safety issues.
Expected vs. Actual Losses
Your actual losses are compared to what's expected for your industry and payroll size. Better than expected = lower Ex Mod.
How We Lower Your Ex Mod
Our comprehensive approach addresses every factor that impacts your Experience Modification Rate.
Claims History Analysis
Your Ex Mod is calculated based on three years of claims history. We analyze each claim's impact on your rating and identify opportunities to reduce future costs.
- 3-year loss run review
- Claim-by-claim impact analysis
- Reserve accuracy verification
Experience Modification Audit
We conduct a detailed audit of your Ex Mod calculation to identify errors, misclassifications, and opportunities that could be lowering your rating unfairly.
- Payroll classification review
- NCCI calculation verification
- Error identification & correction
Safety Program Development
Preventing claims is the most effective way to lower your Ex Mod. We develop customized safety programs that reduce workplace injuries and illnesses.
- Hazard identification
- Employee safety training
- OSHA compliance programs
Return-to-Work Programs
Modified duty programs help injured employees return to work faster, reducing claim costs and their impact on your Ex Mod.
- Modified duty job descriptions
- Transitional work programs
- Medical provider coordination
Claims Management & Advocacy
Active claims management reduces both the frequency and severity of claims, directly improving your experience rating over time.
- Early intervention strategies
- Reserve negotiations
- Claim closure acceleration
Loss Control Consulting
Proactive loss control measures prevent claims before they happen, creating a safer workplace and lower insurance costs.
- Workplace safety audits
- Risk mitigation plans
- Incident investigation
Ex Mod Dropped from 1.42 to 0.78
A Southern California Commercial Contractor
A commercial construction company came to us with an Ex Mod of 1.42 after several serious workers' comp claims. Over 3 years, we implemented a comprehensive safety and claims management program that transformed their risk profile.
Our Ex Mod Reduction Process:
- Ex Mod audit revealed $48K in calculation errors
- Implemented comprehensive safety training program
- Created modified duty return-to-work program
- Established early claim intervention protocols
- Negotiated reserves on 4 open claims
- Reclassified 12 employees to correct codes
Your Ex Mod Recovery Timeline
Ex Mod changes take time because the calculation uses a 3-year experience period. Here's what to expect.
Foundation
Audit current Ex Mod, implement safety programs, establish return-to-work protocols, and begin active claims management.
Prevent new claims from entering the system
Momentum
Oldest year of bad experience begins dropping off. Safety culture takes hold. Claims frequency drops significantly.
Ex Mod starts declining as improvements show
Results
Full 3 years of improved experience now in calculation. Ex Mod reflects your transformed safety record.
Maximum savings achieved, maintain discipline
What's Your Ex Mod Costing You?
Get a free Ex Mod audit and discover how much you could save. We'll identify errors, analyze your claims history, and show you a roadmap to reduce your workers' comp costs.