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How to lower your experience modifier.

Your experience modifier (EMR, or 'mod') is the single largest controllable factor in your workers' comp cost. Most operators don't know the mod can be re-rated mid-term, audited for errors, or systematically reduced over three renewal cycles.

First, audit the math

Pull your last 3 unit-stat reports and verify payroll
Confirm class codes match actual job duties (use the lookup tool below to cross-check)
Check for medical-only claims (capped at 30% in most states)
Look for claims that should have been reserved differently
Request mod recalculation for clerical or split-rate errors

Open the class code lookup →

Then, fix the leading indicators

Same-day claim reporting (severity drops 30–50%)
Return-to-work program (light-duty roles defined in writing)
Drug-free workplace program (5–15% credit in many states)
Safety committee with documented meetings
Pre-employment screening calibrated to physical demands

Finally, structure the renewal

Move to program-direct placement
Negotiate schedule credits and dividends
Consider deductible programs once mod stabilizes
Track 36-month rolling severity for the next quote

Ready to see what we can do for your account?

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