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Experience modifications

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Experience modifications (e-mods) are applied to policies with average annual premiums of $3,000 or more.

The National Council on Compensation Insurance (NCCI) calculates an experience modification rating by comparing the actual incurred losses against the expected losses of an employer based on the employer's size (payroll) and type of work (classification). Experience modifications less than 1.00 indicate that past loss experience is less than expected and the current premium is reduced. Experience modifications above 1.00 indicate that past loss experience is more than expected and the current premium is increased.

Years used to determine experience modification rating

Experience modifications are based on the first three of the last four completed policy years.

The payroll and loss information for 2010, 2011, and 2012 determines the experience modification for 2014. For 2015, the information for 2010 drops out of the formula and the payroll and loss information for 2013 will go into the formula.


E-mod for this policy year is based on the relation of actual losses to expected losses in these years
2015 2013 2012 2011
2014 2012 2011 2010
2013 2011 2010 2009
2012 2010 2009 2008

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The material presented on this website is provided only as a general information guide and is not intended as legal advice.