What Is an EMOD Score—And Why It Matters
Your Experience Modification Rate (EMOD) isn't just an insurance number—it's your risk reputation score. The lower it is, the more trust you earn from insurers, project owners, and safety regulators.
How EMOD Works
EMOD = Actual Losses / Expected Losses
Below 1.00
Safer than average
→ Premium discounts
1.00
Industry average
→ Standard rates
Above 1.00
Riskier than average
→ Premium surcharges
Why Contractors Should Care
A high EMOD = higher premiums
Every point above 1.00 can increase your insurance costs by 10-30%
A high EMOD = blocked from major bids
Many projects require EMOD scores below 1.15 or 1.25 to qualify
A high EMOD = looks like mismanagement
Even if it's just outdated records, clients see it as poor leadership
What Lowers Your EMOD
Immediate Actions:
- Fewer and less severe claims
- Fast claims closure
- Strong return-to-work programs
Long-term Strategy:
- Safety training + documentation
- Regular safety audits
- Proactive risk management
Want to know your EMOD—or lower it?
Use our GPT-powered risk engine or build a Gameplan.