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E-Mod Increases Sharply – Top 5 Reasons May Help Reduce


Sharp E-Mod Increases – Five Reasons

We have had many inquiries on employers’  E-Mod increases (X-Mod). Some have increased very significantly in just one year.

Graphic of Number Five E-Mod Increases Reasons

Five reasons for the sharp E-Mod increases are:

  1. The E-Mod may have grown gradually without notice.   Checking back to see the E-Mods (X-Mods) over the prior five to seven years may show a pattern starting to develop that went unnoticed as there was no one big jump.
  2. Your company’s safety program is just not working properly.   This would be the reason for the largest number of sharp E-Mod increases.  The X-Mod system is specially designed to require larger premium payments from unsafe employers.   A large number of injuries in even one year can easily penalize an employer for being unsafe.   We have seen many employers eliminate or severely cut back their safety programs.  The old adage – “Pay it now or pay it later” is very true.
  3. Your company does not review your loss runs.  Online access to your claims can be golden in monitoring your current claims situation.   Many posts have been published in this blog regarding  reviewing loss runs and online claims access.   The loss runs can be seen as a map to find your way to what is occurring in your WC claims.
  4. Bar Graph E-Mod Increases With Hands Thumbs Up

    Not following the Six Keys To Workers Comp Savings.  Use the search box in the upper right corner of the blog for the Six Keys.   It is worth your time.   I wrote the first four over 20 years ago.  They have not changed since my initial article in the ’80s.

  5.  Workers Comp is not the main priority – even in the insurance budgeting.   Over the past three years, the new health insurance regulations have become a higher priority until a massive Workers Comp audit bill is received from the carrier.   Once a large increase in an X-Mod or premiums is in place,  expert advice is usually the best method to reduce your WC budget.


This list is a small percentage of the reasons for a larger premium bill or X-Mod (E-Mod) increase.   Each WC situation has some unique aspects.  This list is the most common reasons that we see overall.

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Experience Mod Predictions Accurate?

Experience Mod Predictions – Accuracy Depends on Who/Whom You Ask Most Experience Mod predictions can be a tedious process that has cofounded most people working

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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