The Mod Report.

Rising Medical's 13th Benchmarking Study found 57% of top claims performers use analytics versus 34% of laggards. Your mod inherits that gap for three rating years.

Fall protection tops OSHA's FY2026 list at 4,041 citations, the 16th straight year, and five construction standards fill half the Top 10. The mod consequences outlast the citations.

Five Southeast states filed 2027 comp decreases and Tennessee went the other way. When the market hands every contractor the same cut, the mod spread becomes the only lever that separates bidders.

Tennessee's +4.8% order looks like the loss trend turning. It's the medical fee schedule passing through, and net of March's cut, 2026 ends near +2.7%. Your renewal date sets the bill.

Florida and Georgia make the GC jointly liable when a sub carries no coverage. The claim pays like the GC's own, rates like the GC's own, and sits in the mod for three policy years.

Crum & Forster's new admitted wrap-up product puts CCIP papers in front of more Southeast subs. Wrapped payroll leaves your unit stat report; the tail and re-entry don't leave you.

A $30M fall suit at xAI's Memphis site shows the comp structure under the Southeast data-center boom: borrowed staffing crews, stacked subcontractors, and a mod that absorbs the fall.

NCCI monitored 1,102 workers comp bills in 2026 and Georgia joined the portable benefits column. Southeast contractors running on 1099 subs just got a safe harbor, and premium audits got a new question.

Tennessee's only loss cost increase in our footprint lands Oct. 1: +4.8%, law-only, after March's −2.0% cut. Same contractor, same payroll, roughly $3,600 apart by renewal date alone.