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Experience modification rate (e-mod)
Published 2026-06-12 · by Brokly
In plain terms: A multiplier on your workers' comp premium that compares your claims history to businesses like yours — better-than-average history discounts the premium; worse raises it.
Why it matters to you
It's the part of the premium you earn over time: safety compounds into cheaper coverage. And once your business is large enough to qualify for one, the mod follows you between insurers — switching carriers doesn't reset a bad year.
Where you’ll see it
On workers' comp quotes and policy paperwork as a factor near 1.0 — below it is a discount, above it a surcharge.
Related terms
Definitions describe how policies are typically structured — exact terms live in the policy. Not legal or compliance advice.