X-Mod Audit Tool
See how much you could save by lowering your Experience Modification Rate. Free, instant, no signup.
What is an X-Mod Rating?
How It Works
Your X-Mod (Experience Modification Rate) is a multiplier that adjusts your workers' comp premium based on your 3-year claims history.
- 1.0= Average claims history (no adjustment)
- < 1.0= Excellent safety record (discount)
- > 1.0= Poor claims history (surcharge)
How to Lower It
- 1.Implement safety programs — OSHA 300 log review, safety training, incident prevention
- 2.Manage claims effectively — Quick return-to-work, light duty programs, medical management
- 3.Audit for errors — Incorrect payroll, misclassification, or claims can inflate your X-Mod
- 4.Challenge disputed claims — Work with your carrier to dispute invalid claims
Frequently Asked Questions
When does my X-Mod get recalculated?
Your X-Mod is recalculated annually on your policy anniversary date. It's based on your claims history for the past 3 years.
Can I dispute my X-Mod?
Yes. If you believe your X-Mod is inaccurate due to misclassification, payroll errors, or disputed claims, you can file an appeal with the WCIRB.
How long does it take to lower my X-Mod?
It takes time. Your X-Mod is based on 3 years of history. If you implement safety programs and reduce claims, you'll see improvements on your next anniversary.
What's the difference between X-Mod and premium discount?
X-Mod is automatic based on claims history. Premium discounts are optional credits for safety programs, loss prevention, or other factors. You can have both.