Free Ex Mod Review
Do You Know If Your Mod Rate Is Accurate? Errors in payroll reporting, claim values, and classification codes are more common than you think — and they directly inflate your workers compensation premium. We audit your mod worksheet and show you exactly where the problems are.
Request Your Free ReviewWhat Our Review Covers
Worksheet Audit
Line-by-line review of your mod rate worksheet to check payroll figures, claim values, and classification codes for errors that may be inflating your rate.
Error Identification
Common errors include incorrect claim amounts, misclassified payroll, and claims that should have been excluded. Any one of these can significantly impact your mod.
Savings Opportunities
We identify specific actions you can take to improve your mod — from reserve reductions on open claims to classification corrections and return-to-work strategies.
Actionable Recommendations
You receive a clear, prioritized list of steps to take — not a generic report. Every recommendation ties directly to a measurable impact on your mod rate.
Three Simple Steps
Send Us Your Documents
Provide your current mod worksheet and loss run report. We can help you obtain these if you don't have them handy.
We Analyze Everything
Our team reviews every line item — payroll, claims, classifications, and reserves — to identify errors and opportunities.
Get Your Report
You receive a clear summary of findings with prioritized recommendations and the potential savings for each action item.
Frequently Asked Questions
What do I need to provide for the review?
We need your current experience modification rate worksheet (available from your carrier or the rating bureau) and your most recent loss run report. We handle the analysis from there.
Is the ex mod review really free?
Yes. The review is complimentary for both prospective and current clients. We believe that once you see the opportunities, the value of our risk management approach speaks for itself.
How long does the review take?
Once we receive your documents, we typically complete the analysis within 5-7 business days. Complex accounts with multiple years of data may take slightly longer.
What if you find errors on my mod worksheet?
If we identify errors, we help you file a dispute with the rating bureau (NCCI or your state bureau) to correct the worksheet. Successful corrections can result in immediate premium refunds.
Can you review my mod even if I am not a current client?
Absolutely. We offer the Ex Mod review to any employer who wants to understand their mod rate better. There is no obligation to move your insurance to take advantage of this service.
Stop Overpaying on Workers Comp
Request your complimentary Ex Mod review today and find out if errors or missed opportunities are costing you money.