Want Lower Workers' Comp Costs?
It Starts With Your EMOD Score.
Most business owners don't realize how much their EMOD score affects their insurance costs. Let us show you how to take control and start saving.
What's an EMOD Score — and Why Should You Care?
Your Experience Modification Rate (EMOD) is a number used by insurance companies to adjust the cost of your workers' comp insurance.
Think of it like a credit score, but for workplace safety.
So if your EMOD is 0.85, you could be paying 15% less than the average business. If it's 1.20, you could be paying 20% more.
Ready to see your EMOD score?
How Your EMOD Score Affects Your Premium
See the direct impact on your insurance costs
| EMOD Score | Premium Impact | Annual Savings* |
|---|---|---|
| 0.75 | Save 25% | $5,000+ |
| 0.85 | Save 15% | $3,000+ |
| 1.00 | Standard rate | Baseline |
| 1.15 | Pay 15% more | -$3,000 |
| 1.25 | Pay 25% more | -$5,000 |
*Based on $20,000 annual premium
Why Your EMOD Score Is a Big Deal
Most business owners don't even know what their EMOD score is — let alone how much it's costing them. But here's the good news: you can take control of it.
Financial Benefits
- Reduced workers' compensation premiums
- Lower overall insurance costs
- Improved cash flow and profitability
- Competitive advantage in bidding
Operational Benefits
- Safer workplace environment
- Reduced employee injuries and downtime
- Enhanced company reputation
- Better employee morale and retention
Your EMOD score updates every year based on your recent safety history. That means the things you do today can help you:
Save money • Build safer workplaces • Gain competitive edge
EMOD Improvement Services
We offer a variety of proven programs designed to help lower your EMOD score and create a safer workplace.
Custom Safety Programs
Tailored safety protocols and training programs designed for your specific industry and risks.
Return-to-Work Programs
Structured programs that help injured employees return to work safely and reduce claim costs.
Claim Management
Expert guidance on proper incident reporting and claim management to minimize impact on your EMOD.
Safety Training
Engaging workplace safety training programs that your team will actually use and remember.
These services work together to improve your workplace safety culture — which directly lowers your EMOD and insurance costs.
🛠️ Let's Help You Improve Your EMOD Score
We work directly with businesses like yours to review your current EMOD score, find out what's driving it, and build a custom plan to bring it down — without sacrificing productivity.
Quick EMOD Review
Comprehensive analysis of your current score
Safety Recommendations
Customized improvement strategies
Cost-Saving Strategies
Actionable plans to reduce premiums
No pressure. Just smart strategy.
Frequently Asked Questions
Get answers to common questions about EMOD scores and improvement strategies.