Workers' comp is the one line where your own history sets your price. Your Experience Modification Rate (X-Mod) can raise every premium you pay — and lock you out of bids — years after the claims that caused it.
We don't just place the policy. We review your experience worksheet every year, catch bureau and reserve errors before they cost you, and help you build the safety and return-to-work structure that pulls your mod back down. That's the difference between paying for workers' comp and managing it.
Medical treatment for work injuries
Care for employees injured on the job, at statutory benefit levels.
Lost-wage (indemnity) benefits
Wage-replacement benefits while an injured employee recovers.
Employer's liability
Protection against certain injury claims that fall outside the statutory system.
Death & dependent benefits
Statutory benefits paid to dependents after a fatal workplace injury.
What's actually covered is governed by your issued policy and its endorsements — this is a general description, not a coverage determination. That's exactly why the structure below matters.
Your premium is set by your history — and most contractors never audit it.
A few stale claims can push your X-Mod above 1.0 and quietly disqualify you from public and enterprise bids. Inflated reserves, miscoded claims, and payroll on the wrong class codes all inflate your number — and they're more common, and more correctable, than most contractors assume. We audit the worksheet every year so you're compared to the right peer group and never overpay on a bureau error.
Go deeper on Workers' Compensation
Plain-English guidance on Workers' Compensation, written for contractors, not adjusters.
What Is an EMR? A Contractor’s Plain-English Guide
Ask ten contractors what their EMR is and you'll get ten different answers — most of them some version of "my broker handles that." That's a mistake. Your Experience Modification Rating, or EMR (also…
Read the full article →How EMRs Are Calculated, Step by Step
The full NCCI/bureau formula involves state-specific tables and weighting factors that even most brokers don't calculate by hand — that's…
Read the full article →Workers' CompensationEMR Benchmarking: What a “Good” Mod Actually Looks Like for Your Trade
A 0.95 mod sounds solid on paper. Whether it actually is depends entirely on what everyone else in your trade…
Read the full article →Not sure what's really driving your X-Mod?
Start with a free X-Mod review — we'll read your experience worksheet, flag the stale reserves and coding errors, and show you what's moving your number.
Unique Risk Management & Insurance Services — commercial insurance for contractors since 2007. Licensed in CA, FL, MN, UT & NJ. This page is general risk-management and business-structuring education. It is not a coverage determination, a guarantee of coverage, or legal advice; coverage is governed solely by the terms of your issued policy and its endorsements.