Commercial
Your experience mod is a multiplier applied to your workers comp premium based on your claims history compared to similar businesses. A mod of 1.0 is average. Below 1.0 means your claims are better than average and you pay less. Above 1.0 means worse than average and you pay more. A single bad year can push your mod up for three years. Loss control and return-to-work programs are how you bring it back down.
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