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

• Experience Mod is very good. It is in the 20th percentile compared to peers.
• There was a recent mod decrease.

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.

• 13% of peers have changed carriers since last year.
• Current Carrier's market share is in the 75th percentile at 1.5% of the market.