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 2005, 2006, and 2007 determines the experience modification for 2009. For 2010,
the information for 2005 drops out of the formula and the payroll and loss information for 2006 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 |
| 2010 |
2008 |
2007 |
2006 |
| 2009 |
2007 |
2006 |
2005 |
| 2008 |
2006 |
2005 |
2004 |
| 2007 |
2005 |
2004 |
2003 |
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