Mod Advisor is a workers' compensation analytics platform that shows what's driving an experience mod, projects where it's headed, and turns it into client-ready reports. It's built for insurance brokers, carriers and TPAs, and for the businesses they serve.
What you can do
Calculate a mod instantly: drag in a bureau worksheet (PDF or scan) and Mod Advisor extracts the policy, payroll and claim data and recalculates the mod.
See what's driving it: the Results tab shows current, minimum and controllable mod, frequency vs. severity, and the full calculation summary.
Get AI insights: generate a written analysis of any mod file, or ask questions in plain language with Ask AI.
Explore claims visually: the Intelligence tab and dashboards let you click into losses by state, year, body part, cause and more.
Model what-ifs: build claim scenarios, test deductible programs in net reporting states, and create future mods to forecast next year.
Estimate premiums by carrier: Rate Advisor ranks carriers from lowest to highest estimated premium using their filed rates.
Benchmark accounts: compare clients against others in their 3-digit NAICS industry group.
Track mods over time: ModWatch charts each account's mod history automatically.
Present and share: branded reports with industry cover pages, saved report templates, and secure client sharing with expiration and password options.
Import loss runs: bring in carrier loss runs in PDF or Excel to add claim detail without retyping.
Resources included
Solution Center: about 350 risk management documents to share with clients.
Webinar Center: recorded training from Experience Mod 101 to full mod audits.
Rating Data: expected loss rate history, per-claim limits and split points by state and class code.