Frequently Asked Questions

Your experience modification factor—the "mod"—is a multiplier applied directly to your workers' compensation premium, so a mod of 1.20 means you pay 20% more than the baseline for your industry, while a 0.85 means you pay 15% less. Anyone who influences or is measured by that number benefits from understanding it. In practice that's brokers and agents who want to win and retain accounts with real analysis, carriers and MGAs sharpening underwriting and claims decisions, PEOs managing risk across many worksite employers, and employers who want to see exactly what's driving their costs and how to lower them.

Start by importing your loss runs and rating worksheets—the insurer's record of every claim and the data behind your mod. Mod Advisor turns that into interactive dashboards that break the mod down into the pieces that matter: actual versus expected losses, frequency versus severity, medical-only versus indemnity claims, and which open reserves are inflating the number. From there you can forecast "what-if" scenarios (payroll changes, reserve reductions, closed claims), benchmark against industry peers, and generate presentation-ready reports—so you move from raw data to a clear plan of action.

Pricing depends on your role and the scale of your program—brokers, carriers, MGAs, PEOs, and employers each use Mod Advisor differently. The best next step is a short demo: we'll learn how you work, show the platform against your own scenarios, and walk you through the plan that fits. Schedule a demo to get a quote tailored to your needs.

Yes. Reports are fully white-labeled with your own logo, colors, and identity through your Brand Kit, so every stewardship report, executive summary, and renewal deliverable looks like it came from your team rather than a generic template. For brokers and carriers this matters: a polished, branded analysis reinforces your value in front of clients and prospects, and keeps the relationship centered on you.

Good data tells you what is happening; the resource library and Solution Center help you decide what to do about it. It's a collection of expert-backed strategies, templates, and guidance—covering return-to-work programs, claim handling, reserve management, and mod-reduction tactics—so the insights in your dashboards translate into concrete steps. It's designed to shorten the distance between spotting a cost driver and building a plan to address it.

The reports are built to start better conversations. Use them to lead renewal and stewardship meetings with a clear, data-driven story instead of just a premium number; to educate clients and prospects on how their mod is calculated and what's driving it; to guide claim reviews toward the open reserves and indemnity claims with the most leverage; and to win new business by reframing the discussion around controllable claim performance. Several of our case studies show exactly this in action.

It begins with a demo. We'll walk through how Mod Advisor handles claims and experience mod analysis end to end, using examples relevant to your book or your business, then help you get set up and import your first loss runs. Most users are analyzing real data and producing branded reports quickly—you don't need to be an experience mod expert to get value on day one.

Mod Advisor is SOC 2 compliant, meaning our security controls have been independently audited against a recognized industry standard, with continuous monitoring through Vanta. Your claims and payroll data are protected with audited safeguards, and you can review our security posture, controls, and live compliance status anytime on our Trust Center.