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Ex Mod Reduction Program

Your Mod Rate Is the Biggest Lever on Your Workers Comp Premium. We implement a disciplined, multi-pronged strategy to drive your experience modification rate below 1.0 — saving you thousands on every premium dollar.
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3 Years
Each claim impacts your mod rate for this long
< 1.0
The target mod rate for every Hybrid Risk client
20-40%
Typical premium savings our clients achieve

Strategy

How We Drive Your Mod Rate Down

Medical Direction

The cornerstone of our approach. Directing injured employees to occupational medicine specialists controls claim costs from day one and accelerates return-to-work timelines.

Active Claims Management

Every open claim is monitored regularly. We track treatment progress, coordinate with adjusters, and ensure claims are managed proactively — not filed and forgotten.

Reserve Monitoring & Reduction

Carrier reserves directly impact your mod rate calculation. We audit reserves on every claim and aggressively push for reductions as claims improve or resolve.

Return-to-Work Programs

Structured transitional duty programs reduce indemnity costs and demonstrate to rating bureaus that you manage injuries effectively — both of which lower your mod.

Mod Worksheet Auditing

We review your experience modification rate worksheet line by line for errors in payroll reporting, claim values, and classification codes that may be inflating your rate.

Loss Prevention Programs

The most powerful way to lower your mod is to prevent claims from occurring. Our loss control services target the root causes of your most frequent and costly injuries.

Results

Why Our Program Produces Results

Most brokers talk about lowering your mod rate. We actually implement the systems and processes required to make it happen — and we stay accountable for results.

Medical Direction embedded in every workers comp claim
Dedicated claims oversight — not passive monitoring
Annual mod worksheet audit for errors and opportunities
Structured return-to-work protocols for your operations
Safety program development targeting your top loss sources
Quarterly reporting so you see measurable progress

FAQ

Frequently Asked Questions

What is an experience modification rate?+
Your experience modification rate (ex mod or EMR) is a multiplier applied to your workers compensation premium. A mod above 1.0 means you pay more than average for your industry; below 1.0 means you pay less. It is calculated based on your three most recent complete policy years of claim data.
How quickly can you lower my mod rate?+
Because the mod uses three years of historical data, meaningful reductions typically begin within 12-18 months of implementing our program. However, reserve reductions and claim closures can have an immediate impact on the next mod calculation.
What mod rate should my business target?+
Our goal for every client is a mod rate below 1.0. Depending on your current rate and claims history, we develop a multi-year strategy with specific annual targets to get there.
Is the ex mod reduction program included with insurance placement?+
Yes. Our ex mod reduction services are part of our comprehensive risk management approach for workers compensation clients. There is no separate fee for this program.
How much can I save by lowering my mod rate?+
Every point of mod rate reduction saves you a percentage on your entire workers compensation premium. For example, moving from a 1.3 to a 1.0 on a $100,000 premium saves $30,000 per year — and the savings compound as your mod continues to improve.

Find Out What Your Mod Rate Should Be

Start with a complimentary Ex Mod review. We will analyze your current rate and show you exactly where the opportunities for improvement are.

Free Ex Mod Review

Or call us at (888) 524-0798