If your workers’ comp premium feels sticky, it usually isn’t random. The mechanics behind your experience rating (X-Mod/EMR) reward fewer claims and penalize repeated ones. In this session we’ll cover what actually moves the number and what you can do about it this quarter.
What you’ll learn
- How X-Mod/EMR is calculated: actual losses divided by expected losses, expressed as a percent
- What data feeds the calc: insurer-reported payroll and losses; open claims include reserves; data usually reported ~8 months after policy expiration
- Which years count: a three-year rolling “experience period” that starts about 4 years 9 months before the mod effective date, so recent claims from the last year do not affect the current mod
- Why frequency beats severity: the formula places more weight on how often claims occur, with employer size affecting how much actual loss enters the calc
- Inputs you can check now: correct classifications at audit, accurate payroll, and a current Experience Rating Form (“rate sheet”) from your broker or WCIRB
- Key nuances to know: single-claim 25% cap on increases and removal of the first $250 from each claim in California to avoid incentives to hide first-aid cases
Who should attend
If you’re in operations, safety, HR, or finance and want to understand what’s behind your premium—and what you can do to reduce it—this is for you.
Speakers
- Angela Sundin, Classification Business Analyst (Data Analytics), Workers’ Compensation Insurance Rating Bureau
- Alok Maheshwari, Former safety leader at GE, GM, Caterpillar, and DuPont; Founder, KDD Safety
Date and time
Tuesday, November 18, 2025
10:00 am PT / 1:00 pm ET
Why Teamforce AI cares
Our platform helps plants cut claim frequency by fixing the two biggest gaps we see:
- Hazards that never get reported
- Fixes that are not verified and slip back into production. We make both visible and auditable so your X-Mod/EMR reflects the reality you work hard to create.
Note: WCIRB guidance relates to California experience rating; principles discussed are broadly applicable, but always confirm specifics with your carrier or state rating bureau.
FAQ
What is X-Mod/EMR?
An experience factor applied to your premium based on recent loss history.
Why does frequency matter so much?
More claims suggest unresolved hazards and drive the factor up.
What can we do in 90 days?
Increase reporting, verify fixes, and eliminate repeat causes. Track avoided incidents and cost.