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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 2007, 2008, and 2009 determines the experience modification for 2011. For 2012, the information for 2007 drops out of the formula and the payroll and loss information for 2010 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
2012 2010 2009 2008
2011 2009 2010 2011
2010 2008 2009 2010
2009 2007 2006 2005

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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.