These guys are amazing!  They found that my experience modifier was WRONG!!!!  Not one of the dozen plus agents that I spoke to previously saw that!  David and John were able to get my experience modifier corrected, and my insurance companies had to return over $86,000 to me!

Their entire team helped us implement all of these changes to our safety, hiring and injury management very quickly, which made us much more attractive to insurance companies. And 3 months later, he was able to leverage what he did for us and obtain an insurance policy at our renewal that was over $100,000 lower.

In a span of 4 months, they put almost $200,000 back in my pocket!


— Mark S. Duda, Duda Cable & Construction



"If you can not measure it, you can not improve it."

- Sir William Thomson (Lord Kelvin) c.1884

How the Experience Modifier Impacts your Workers' Compensation Premium

When you understand you are repaying for any and all injuries, with interest, it is important to determine whether you are doing a good, fair or bad job. Think of it this way, a 1.000 Experience Modifier is "Average", like earning a "C" in school. Would you prefer to have a "B", or better yet, an "A" grade!  So what would your experience modifier need to be to receive an "A"?


Are you improving or trending in the wrong direction? There are certain data points we suggest every executive analyze every year, so you can benchmark your progress. These can be complied into what we refer to as Your Executive Briefing.

Your Executive Briefing includes:


Your Minimum Experience Modifier – How low can your experience modifier go? If you do not know this, how can you benchmark how much extra money your claims are costing you?


Your Controllable Experience Modifier – The gap between your current experience modifier and your desired, minimum experience modifier. In essence, your controllable modifier the difference in additional premium you currently are paying over your minimum experience modifier.


Your Ultimate Cost of Loss, a.k.a. Your Payback Ratio – For each dollar the insurance company spends for an injury, how much are you paying back to the insurance company for that injury over the three years that it impacts your experience modifier?


Your Actual Losses versus Expected Losses – Are you doing better or worse than average? This report shows you a year by year comparison of how much your claim dollars are in comparison to what the rating bureau expected based on your reported payrolls.


Your Experience Modifier State Ranking – In some states, you can measure your performance against your peers.

Your Statistics – Your year by year snapshots of your injury data: number of injuries, number of lost time injuries, number of near misses, experience modifier history, net rate the insurance company is charging you, or any statistic your company merits.


Trending Your Statistics –  If you are growing, you should all of the above statistics using consistent comparative basis such as full time equivalent employees, hours worked, or total operational payroll to that the change in size of your company does not skew your statistics.


Benchmark your results. If you do not measure it, you cannot determine if you are doing a good job or not. You must focus long term to earn an “A” on your modifier report card.

Get in Touch



David Leng, CWCA,


724-863-3420 x 3329


John M. Duncan, Jr


724-863-3420 x 3311