Free Tool · No Login

Workers' Comp E-Mod Estimator

Get a 60-second ballpark of your Experience Modification Rate. See if you're paying too much, paying about average, or already running a discounted premium.

$

Total payroll across all employees, all class codes.

Used to set your expected loss baseline (rough industry average loss rate per $100 payroll).

Include all reported claims, even small ones.

$

Medical + indemnity, both paid and reserved.

This is a simplified estimate, not an official NCCI mod. Your actual E-Mod depends on class-specific expected loss rates, primary/excess split, ballast factor, and credibility weighting from your full payroll-by-class breakdown. For your real mod, contact your insurance broker.

E-Mod FAQs

What is an E-Mod? ▼

Your E-Mod (Experience Modification Rate) is a number assigned by NCCI (or your state's rating bureau) that compares your company's actual workers' compensation losses to expected losses for businesses your size in your industry. A 1.00 mod is exactly average. Below 1.00 means your premium is discounted; above 1.00 means it's surcharged.

How is the E-Mod calculated? ▼

NCCI's official formula compares your three-year actual loss history to expected losses based on your class codes and payroll. It splits losses into a primary portion (heavily weighted) and excess portion (lightly weighted), then applies a credibility weight and ballast factor based on your size. Big losses get capped at a per-claim limit. The result is your X-Mod factor.

Can my E-Mod be lowered? ▼

Yes — most employers have multiple ways to lower their mod. Common levers: dispute mis-classified payroll on your audit, contest medical-only claims, install return-to-work programs, fix open claims with reserves higher than reality, and ensure subcontractor certificates are properly credited. The Workers' Comp Experts can audit your past three policy years for free and identify legitimate ways to lower your mod.

Is this estimator the same as my official mod? ▼

No — this is a directional estimate. Your official NCCI mod uses class-specific expected loss rates, primary/excess loss split, ballast factor, and credibility weighting that can only be calculated with your full payroll-by-class breakdown and three-year claims history. This estimator gives you a ballpark to know whether you're likely below, near, or above 1.00.