Experience modifiers, or e-mods, are one of the most misinterpreted metrics in Workers’ Comp underwriting. Unfortunately, that confusion often costs agents both clients and commissions. Too many retail agents assume a high e-mod means the case is unplaceable. But with the right partners, that’s simply not true.

If you’ve ever walked away from a high-mod client because you assumed no carrier would touch it, it’s time to rethink your strategy. As a leading Workers’ Comp wholesaler, Worksperity gives agents access to underwriting strategies and markets built specifically for complex Workers’ Comp risks. Here are six myths to leave behind — and what to do instead.

Myth #1: A High E-Mod Means No One Will Quote

That’s not the case with Worksperity. Our 90+ specialized markets are designed for hard-to-place clients, and many of them evaluate submissions holistically. In other words, they look beyond the e-mod to understand the business’s full claims picture, safety improvements, and future outlook.

Myth #2: High Mods Always Mean Higher Premiums

That may be true in traditional markets. But several of our carriers offer pricing models that don’t require the e-mod at all. That opens the door to competitive premiums, even for clients with a 1.5, 1.8, or higher.

Myth #3: The Mod Can’t Be Improved Until Next Year

The recalculation cycle is annual, but proactive steps today can impact the next one. Accurate classification, updated payroll reporting, and a strong loss control strategy can all position a client for better outcomes. We help agents educate their clients and prepare them for renewal success.

Myth #4: Assigned Risk Pools Are the Only Option

When standard markets say no, many agents default to state-assigned risk pools. But that’s not your only move. Our underwriting partners can often offer alternative programs that give clients more flexibility, better service, and lower costs than the pool.

Myth #5: Mods Reflect All Claims Accurately

They don’t. One large claim — a shock loss — can inflate a mod for years. Mods also don’t account for context, like the rollout of an official hazard prevention program or changes in operations. Our markets get that. That’s why we work with carriers who are willing to dig deeper than the spreadsheet.

Myth #6: You Can’t Sell Coverage to Clients With High Mods

You absolutely can. What you need are smarter placement options, faster quotes, and support from a wholesaler who knows how to tell the full story. That’s why agents across the country turn to Worksperity.

Work With the Right Workers’ Comp Wholesaler for High-Mod Clients

Placing high-mod clients doesn’t have to mean high stress or high premiums. Worksperity gives retail agents the tools, support, and market access to turn challenging submissions into closed deals. Here’s how we make it easier to win — and keep — these accounts.

• Programs that don’t require the mod in pricing: These are perfect for clients who are unfairly penalized by traditional calculations.
• Underwriting partners who understand industry nuances: We work with decision-makers who know that not all high-mods are the same.
• Coverage in all states, across all industries: From staffing to construction to healthcare, our market access spans sectors and geographies.
• One-on-one agent support: You’ll work directly with a placement expert who understands your client’s needs and can guide the quoting process.
• Fast turnaround, residual commission: We help you move quickly and get paid fairly.

Have a client with a high e-mod? Don’t settle for the pool. Send a submission and quote smarter with Worksperity.

FAQ About Experience Mods

What is a high experience mod?

Anything above 1.00 is typically considered high. It means the client’s claims history is worse than the industry average for their class.

Is a higher or lower experience mod better?

Lower is better. A 0.85 mod earns a premium discount, while a 1.20 means a surcharge. However, the number doesn’t always tell the full story.

How does experience mod work?

It’s based on payroll, industry classification, and claim frequency and severity. It’s designed to reflect risk, but it’s not infallible.

What is a good experience modification rate for Workers’ Comp?

Most businesses aim for something between 0.75 and 1.00. But “good” is relative, especially in industries where higher claims are standard. That’s where having access to an experienced workers’ comp wholesaler makes all the difference.

About Worksperity

Worksperity is a specialized workers’ comp wholesaler focused exclusively on Workers’ Compensation. We partner directly with retail agents to simplify placements for hard-to-place industries and clients with coverage barriers. Our deep expertise, rapid quote capabilities, and access to 90+ niche markets empower agents to win more business, faster. Learn more at worksperity.com.