Mod is an indication of how risky a company is to insure. It is based on a company's claim history.

• Experience Mod ishigh. It is in the 100th percentile compared to peers.
• Modincreasedby more than 75% of peers.

When you get coverage from a Carrier, you are placed in one of their 'Carrier Tiers' (An insurance company under the carrier's umbrella). These individual tiers get a rating from the bureau referred to as an LCM, which effects the premium you pay.

• The LCM of the Current Carrier isVery Good, in the 32nd percentile compared to peers.
• LCMDecreasedby more than 75% of peers.

We measure relative change (when a business chooses a different WC provider), and market share distribution over a rolling 24 months as compared to it's industry and state level activity to determine how competitive carriers are for your class of business.

• 10% of peers have changed carriers since last year.
• Of those who changed carriers, 3.1% increased their LCM vs those who stayed with their current provider who saw a 3.6% increase.
• Current Carrier's market share is in the 75th percentile at 3.8% of the market.