• Is your Workers’ Compensation Modification Factor Costing Your Company Too Much Money?

  • Are you interested in receiving guidance to control losses and reduce your mod?

  • Do you need help developing an effective Safety Program?

  • Do you need help developing a successful Return to Work Program?


Many business owners see Workers’ Compensation insurance as a necessary cost of doing business and nothing more. They don’t recognize the competitive advantage available to them by working proactively to reduce their Work Comp premiums as well as the direct and indirect cost of losses.

Our agency wants to help you achieve your lead against the competition. The amount you pay for Workers’ Comp insurance is based in part on a rating of your loss history called the Experience Modification Factor, or Mod. Almost every business has room to improve their Mod and in turn, save premium dollars and total overall costs.

Do you have a safety program? A “return to work” program? Do you know what level of sales you will have to achieve to recover the indirect costs of just one accident? We can assist you in all of these areas and more. We prepare a complete analysis, identifying the effect losses are having on your current rating and the amount of money you could be saving. We then help you develop specialized loss control solutions that address your specific needs.

We would like to share our expertise and provide you with an opportunity to optimize your Experience Modification and your bottom line. I will call you next week to answer any questions you may have.


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