Watch Your Mod Before It Costs You Work
Mod Watch turns Mod Advisor into a shared workspace between you and your clients. Invite them in, manage claims together on a daily, weekly, or monthly cadence, and see exactly where the experience mod is heading—before the rating bureau makes it official. Update payrolls and claim values, run reserve and deductible scenarios, forecast future mods, and act on AI-powered insights in real time.
One Workspace. Both Sides of the Relationship.
Most experience mods are reviewed once a year—after the damage is done. Mod Watch changes the cadence. Brokers invite their clients directly into Mod Advisor, where both sides work from the same live data, the same forecasts, and the same plan.
- ✓ Invite clients in. Direct, secure collaboration inside Mod Advisor—no more emailing spreadsheets back and forth.
- ✓ Stay current together. Update payroll values and claim values as they change, not at renewal.
- ✓ See the direction. Live forecasts show where the mod is heading next policy year—and the year after that.
- ✓ Act early. AI insights flag the claims, reserves, and trends that deserve attention while there's still time to change the outcome.
Everything You Need to Actively Manage the Mod
Mod Watch isn't a report—it's an always-on command center for the experience mod, shared by broker and client.
Real-Time Client Collaboration
Invite your clients into Mod Advisor and work the mod together. Both sides see the same live data, the same scenarios, and the same action plan—so every conversation starts from shared facts.
Update Payroll & Claim Values
Payrolls shift. Reserves move. Claims close. Mod Watch lets you and your client update payroll and claim values the moment they change, keeping every forecast grounded in current numbers.
Mod Forecasting
See the direction your mod is heading on a daily, weekly, or monthly basis. Project future mods across upcoming policy years—with and without open claim reserves—so renewal day never brings a surprise.
Scenario Modeling
What happens if a reserve jumps? What if a deductible is layered in? Run what-if scenarios on reserves, deductibles, claim outcomes, and payroll changes and watch the mod respond instantly.
Real-Time Data Visualization
Live dashboards translate claims and payroll activity into clear visuals—mod trend lines, frequency and severity charts, and reserve movement—updated as the underlying data changes.
Loss Run Ingestion
Drag and drop carrier loss runs in PDF or Excel and Mod Watch extracts the claims automatically—so the shared workspace stays current without manual data entry.
AI Insights
Mod Watch's AI continuously reads your claims and loss data, surfacing the cost drivers, reserve-driven mod inflation, and education opportunities that matter—before they show up in next year's mod.
AI Chat Assistant
Ask questions in plain English—"Which open claims are hurting the mod most?" or "What happens if we close these two claims?"—and get answers grounded in your own data, instantly.
Education & Cost Reduction
Mod Watch identifies where education and process changes pay off—return-to-work gaps, claim-handling issues, and reserve practices—and pairs each with a quantified cost-reduction strategy.
From Annual Surprise to Daily Discipline
The experience mod is a lagging indicator—by the time it arrives, the claims behind it are one to three years old. Mod Watch flips that timeline. Manage claims on the cadence that fits your operation and watch the forecast respond.
Daily
New claims and reserve changes flow into the shared workspace. AI flags anything that moves the mod.
Weekly
Review open claims together, push for closures, and challenge reserves that no longer reflect reality.
Monthly
Re-run the forecast, compare it to last month's, and measure whether the mod is trending toward or away from your target.
When the Mod Crosses 1.0, the Bidding Stops
For contractors and subcontractors, the experience mod isn't just an insurance number—it's a prequalification gate. General contractors and project owners routinely require a mod below 1.0 to bid. One bad claim year can lock a sub out of work for three.
Know Before You're Disqualified
Mod Watch forecasts show the moment a mod is trending toward 1.0—months or years before promulgation—so you can intervene while the outcome is still controllable.
Protect Your Bid Eligibility
Model exactly which claims, reserves, and payroll shifts push the mod above or below 1.0. Build a concrete plan to defend the number your next bid depends on.
Bring Your Sub Along
Brokers serving construction accounts can invite each contractor into their own Mod Watch workspace—turning a once-a-year mod conversation into an ongoing prequalification strategy.
Up and Running in Four Steps
Invite Your Client
Send a secure invitation from Mod Advisor. Your client gets their own access to the shared Mod Watch workspace—scoped to their data only.
Load the Data
Ingest loss runs, mod worksheets, and payroll. Mod Watch builds the live mod picture automatically.
Set the Cadence
Choose daily, weekly, or monthly claim management rhythms. Update claim values and payroll as they change, and let the forecast track reality.
Forecast, Model, Act
Run reserve and deductible scenarios, review AI insights together, and execute the cost-reduction strategies that bend the mod curve down.
A Renewal Story You Write All Year
When renewal arrives, you're not explaining a surprise—you're presenting a year of documented, collaborative mod management. Every reserve challenged, every claim closed, every scenario modeled becomes proof of the value you deliver between renewals.
- ✓ Deepen client relationships with always-on collaboration
- ✓ Differentiate on strategy, not price
- ✓ Turn mod expertise into retention and referrals
Stop Reacting to the Mod. Start Managing It.
Schedule a demo and see how Mod Watch turns the experience mod from an annual surprise into a number you and your clients control together.