What is E-Mod?

Written By Mike Bissler

E-Mod = Experience Modification Rate

Explained: E-Mod is essentially a safety and claims performance score for your business. It compares your actual workers' compensation losses to the expected losses for companies in the same industry and size, expressed as a multiplier on your insurance premium.

Think of your E-Mod as your worker's compensation rate pricing tier:

• 0.7 = Top-tier (best possible rates)
• 1.0 = Market average
• 1.3+ = Penalty zone

Shift it by even just 0.1 and the savings can be dramatic.

Mike Bissler
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PEO Renewal Increases