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 81st 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.

• 32% of peers have changed carriers since last year. This might indicate carriers are competing aggresively for similar businesses to cover.
• Of the 32% 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 99th percentile at 18% of the market.