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

• Experience Mod is high. It is in the 75th percentile compared to peers.
• There was a recent mod increase.

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.

• 26% of peers have changed carriers since last year. This might indicate carriers are competing aggresively for similar businesses to cover.
• Of the 26% of peers who changed carriers, This might indicate carriers are competing aggresively for similar businesses to cover.
• Current Carrier's market share is in the 75th percentile at 7.3% of the market.

Most employers with 10 or more employees are required to maintain injury and illness records, known as the 300 log. In the event of an inspection, this information will likely be requested. Even without injury or claim, the proper documentation should be readily available on a location by location basis. These logs are critical but simple to maintain.

• Businesses with serious and/or repeat violations should be provided with risk management practices to eliminate unnecessary risk and minimize what must exist in current processes.