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Overcoming High Experience Modifiers in Workers’ Comp
Solutions for clients facing increased costs due to high e-mods
Helping Agents Navigate E-Mod Roadblocks
Clients with high experience modifiers aren’t impossible to place—they just need smarter strategy. At Worksperity, we give agents the tools, market access,
and underwriting insight to quote with confidence, even when the e-mod is working against them.
Why High E-Mods Make Coverage Hard to Place
Increased Premiums
A high experience modifier significantly raises Workers’ Comp costs, even for businesses with stable operations.
Shrinking Carrier Appetite
Many standard markets won’t write accounts with high e-mods or will apply restrictive pricing and terms.
Limited Cash Flow
Higher premiums can create financial strain, especially for small and mid-sized businesses.
Slow Recovery Timeline
It can take years to reduce a high e-mod, leaving clients stuck with costly coverage in the meantime.
Claims History Impact
Frequent or severe losses are the biggest driver behind elevated e-mods.
How Worksperity Helps Agents
Place High E-Mod Clients
Access to 90+ Specialized Markets
Markets equipped to underwrite high-mod and claims-heavy accounts.
Alternative Rating Methods
Reduce premium pressure using state-approved pricing alternatives.
Flexible Underwriting
Markets that evaluate beyond just e-mod scores.
Risk Management Support
Tools and strategies to help clients lower future claims.
Fast Quote Turnaround
Quick placement for urgent cases.
Don’t Let High E- Mods Close Your Markets Doors
Just because a client has a high modifier doesn’t mean they’re unplaceable. With the right markets and strategies, you can deliver coverage that helps them move forward while lowering risk over time.
