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X-Mod Dispute Guide – California WCIRB – Step by Step If Needed


California X-Mod Dispute Process Steps

As a follow-up to my last post, I wanted to explain how to protest a CA X-Mod.  As I have said in many previous posts, do not just sling out a protest because you think your company is paying too much $ in premiums. That type of protest does much more harm than good.

Picture of dollars stock X-Mod Bundled

If you feel there is a mistake after reviewing your X-Mod sheets, the first step would be to send a written protest to your current insurance carrier. While your insurance carrier may not be able to assist much without getting the WCIRB involved, at least it is a starting point. The carrier may not have followed the previous inspection by the WCIRB.

Before contacting the WCIRB, please make sure that the protest will not cause an increase in your X-Mod or premiums. This can and does happen sometimes.

There is a possibility that the carrier will order an inspection by the WCIRB to better classify your business. Even after the WCIRB inspects your business and issues an opinion, you can appeal the decision to the Policy Ombudsman or the Insurance Commissioner.

Appealing to the Insurance Commissioner should be used only as a last resort as this may damage the relationship with your agent and insurance carrier.

The OLD address to send the protest is:

Workers’ Compensation Insurance Rating Bureau
525 Market Street, Suite 800
San Francisco, CA 94105-2767
Attn: Customer Service

The Policyholder Ombudsman should be carbon copied at the same address.

2020 Update on the Address – the new address (WCIRB Moved) is:

Workers’ Compensation Insurance Rating Bureau of California
1221 Broadway, Suite 900r5
Oakland, CA 94612
Attn: Contact Center

With the COVID-19 closing, email may work the best for now.   The WCIRB customer service email is:  [email protected]

Alternatively, you may want to use this contact page so that your inquiry/protest can be routed to the proper personnel while the COVID shutdown is in effect.


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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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