Workers' Compensation - High Experience Mods

Placement Solutions for Businesses with High Experience Mods

EMRs significantly above 1.0 can cut off normal WC access. Agents—don’t drop those accounts. Worksperity is your bridge to markets structured for mod-heavy exposures, unlocking viable solutions.

Typical High Mod Clients

• Construction & Specialty Trade Contractors
• Transportation & Warehousing Firms
• Manufacturing Plants with repetitive incident types
• Landscaping & Maintenance Service Providers
• Hospitality operations with claim spikes

Challenges with High Mods

• Elevated premiums tied to poor safety track record
• Standard markets may reject or offer only minimal capacity
• Competitive quoting is scarce due to perceived risk
• Agents must combat mod-based pricing bias

Worksperity’s Competitive Advantage

• Channel to markets familiar with high-mod placement strategies
• Underwriting flexibility backed by loss control and regain plans
• Partnered loss mitigation and EMR improvement services
• Clear pricing rationale—agents can explain what counts

Best Candidates to Submit

• Businesses with Current EMRs > 1.25
• Entities with active mod improvement efforts and documented plans
• Clients willing to invest in safety or claims oversight
• Operations offering tiered or phased coverage options

Submission Tips for Agents

• Provide full loss run history with mod trends over 3+ years.
• Highlight active safety or training initiatives.
• Offer targeted mod improvement projects (e.g. rolling out safety tech).
• Be upfront: position narrative that emphasizes upward momentum.