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E-Mod X-Mod Ex-Mod Question From One Of Our Readers


Reader Question On E-Mod X-Mod Ex-Mod California

Yesterday I received a question on Workers Comp E-Mod X-Mod Ex-Mod in California.

Recently, our California Ex Mod greatly increased due to a few open claims that are dragging on and on. My policy doesn’t expire until mid-year and I am being charged an “endorsement – additional” by my carrier, this amount they explained is based on our Ex Mod increase. We have been in business for over 25 years and never had this issue arise. Is this normal practice of workers comp insurance for an additional premium amount endorsement?

Graphic of People Icon Carrying E-Mod X-Mod Ex-Mod Green Big Increase Arrow

This is a slightly edited version of a question that we received yesterday on Workers Comp Ex-Mods or X-Mods in California. Would any of our expert readers want to input their opinions? I have my opinion which I will share later in the week. I wanted to see what our blog readers thought on this situation.

Update 2023 – I did not answer this question directly in 2011 when it was originally published as an introduction article.  The summary is yes or no, depending on the state(s) in which your businesses operates if you are a multi-state entity.

I received three other questions on E-Mod X-Mod Ex-Mods from three different states.   Thanks for your questions.  I will try to address them over the next two or three weeks.

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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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