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

• Experience Mod is in-line with peers, in the 48th percentile.

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.

• 15% of peers have changed carriers since last year.
• Current Carrier's market share is in the 99th percentile at 14.9% of the market.