Premium Savings Estimator
What could a lower mod save you?
An EMR of 1.00 is the industry average. If your mod is above that, you’re paying more than a typical contractor for the same work. See what bringing your mod in line with the average could mean for your bottom line.
Three inputs. One number you can act on.
Base rates are NCCI-published loss costs by class code. Your carrier’s filed rates will differ; the estimate is meant to size the opportunity, not quote a premium.
1Pick your primary trade
2Enter annual payroll and current EMR
3See annual and 3-year savings
This tool provides rough estimates for illustrative purposes only and does not constitute a premium quote, financial advice, or a guarantee of savings. Actual workers' compensation premiums are determined by your insurance carrier based on audited payroll, classification, filed rates, schedule credits, deductibles, and other underwriting factors. Your experience modification rate is calculated by NCCI (or your state rating bureau) based on your actual loss history. Results should not be relied upon for business or financial decisions.
Estimates are a start. A review is the answer.
Upload your NCCI experience rating worksheet. We'll review it at no cost. If we find errors, you only pay when we recover your money.
✓60-second upload
✓Strictly confidential
✓No fee unless we recover money
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mods contain errors
Reviewed line by line
