Mod is an indication of how risky a company is to insure. It is based on a company's claim history.

• Experience Mod ishigh. It is in the 87th percentile compared to peers.
• Moddecreasedby more than 75% of peers.

We measure relative change (when a business chooses a different WC provider), and market share distribution over a rolling 24 months as compared to it's industry and state level activity to determine how competitive carriers are for your class of business.

• 38% of peers have changed carriers since last year. This might indicate carriers are competing aggresively for similar businesses to cover.
• Of the 38% of peers who changed carriers, This might indicate carriers are competing aggresively for similar businesses to cover.
• Current Carrier's market share is in the 95th percentile at 30.8% of the market.