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Workers Comp Assigned Risk Pool – Wait Our Company Mod Is 80


Workers Comp Assigned Risk Pool For Safe Companies?

This workers comp Assigned Risk Pool question is usually from an employer that is totally exasperated at the work comp system.  How does such a safe company end up in the workers comp assigned risk pool?

Fraying Rope Workers Comp Assigned Risk Pool Black Background

The Assigned Risk Pool is unfortunately not for unsafe companies that have a high E-Mod or X-Mod.   In an associated coverage, tow truck drivers cannot obtain liability insurance as carriers have pulled out of this market.  The same situation occurs in the work comp markets.

Your company may be a safe company is what is considered by insurance carriers as a very unsafe type of employer.   One has to remember that a Modification Factor (EMod XMod) is how your company compares to similar companies.   In a very unsafe industry, you could even have experienced a few accidents and have a lower Mod.

Why?  Because your E-Mod is a comparative figure.  It is not a standalone measurement whatsoever.

For instance, having two accidents in an administrative assistant based company is going to increase the E-Mod very heavily compared to the same two accidents in a construction company.

Woman Picture Workers Comp Assigned Risk Pool Group Of Business

Trucking transportation and temporary agencies are two type of companies which have recently had no or very few carriers willing to write coverage.   Staffing agencies (temp to perm) companies have experienced this conundrum in certain states or regions.


A company has to be very careful when venturing into alternative coverages.  You may not have the coverage that your state requires  to stay in business.  Many states such as West Virginia have been very aggressive with uncovered employers.

One very unfortunate development with being in the workers comp assigned risk pool is the sharp increase in premiums.

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2 Responses

  1. Richard, Thanks for the compliment. The market Mod, so to speak, is one of the top two or three most frustrating subjects of emails and phone calls that I receive from employers.


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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