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[Video] XMOD: A Step-by-Step Guide to Improvement

October 18th, 2023 | 1 min. read

By Allison Wojcik

XMOD: A Step-by-Step Guide to Improvement


Watch this 75-second video.

Your workers' compensation XMOD, also known as your experience modification rating, is a number that insurance companies use to adjust your workers' compensation insurance premiums. An XMOD of 1.0 is considered average. If your XMOD is higher than 1.0, you will pay higher premiums. If your XMOD is lower than 1.0, you will pay lower premiums.Your XMOD is calculated by comparing your actual workers' compensation claims history to the expected claims history for businesses of your size and industry. The longer you are in business and the fewer claims you have, the lower your XMOD will be.

There are a number of things you can do to improve your XMOD, including:

  1. Implement a safety program. This could include things like training your employees on safety procedures, providing them with the proper safety equipment, and conducting regular safety inspections.
  2. Return injured employees to work as soon as possible. The longer an employee is out of work, the more expensive their claim will be. By helping your employees to return to work quickly, you can reduce the cost of your claims and lower your XMOD.
  3. Manage your claims effectively. This includes working with your insurance company to resolve claims quickly and fairly. It also includes disputing any claims that you believe are not valid.

Improving your XMOD can take time, but it is worth it in the long run. By following the tips above, you can reduce your workers' compensation insurance premiums and save money on your bottom line.

Here are some additional tips for improving your workers' compensation XMOD:

  • Create a culture of safety at your company. Make safety a priority for everyone, from the CEO down to the newest employee.
  • Empower your employees to report unsafe conditions and practices. Let them know that they will not be penalized for doing so.
  • Investigate all accidents thoroughly. This will help you to identify and address the root causes of accidents, so that you can prevent them from happening again.
  • Provide your employees with training on workers' compensation claims. This will help them to understand the process and file their claims correctly.
  • Work with a qualified workers' compensation claims administrator. They can help you to manage your claims effectively and efficiently.

By following these tips, you can improve your workers' compensation XMOD and reduce your insurance costs.


This video is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Viewers should contact legal counsel for legal advice.