An Experience Modifier (E-Mod) is a number used by insurance companies to gauge your company's safety performance and determine workers' compensation premiums. An E-Mod of 1.0 is average. Below 1.0 means you're safer than average and get lower premiums. Above 1.0 means higher risk and higher premiums. Even a small reduction in your E-Mod can save thousands of dollars annually. We help companies reduce their E-Mod through effective safety programs and claims management.

These are two different reporting systems. OSHA recordable injuries must be logged on your OSHA 300 form if they result in death, days away from work, restricted work, job transfer, medical treatment beyond first aid, or loss of consciousness. Workers' comp reportable injuries are those for which you file an insurance claim. Not all OSHA recordables are workers' comp claims, and vice versa. Proper classification is crucial for compliance and cost management.

These are two different reporting systems. OSHA recordable injuries must be logged on your OSHA 300 form if they result in death, days away from work, restricted work, job transfer, medical treatment beyond first aid, or loss of consciousness. Workers' comp reportable injuries are those for which you file an insurance claim. Not all OSHA recordables are workers' comp claims, and vice versa. Proper classification is crucial for compliance and cost management.

A Return to Work (RTW) program gets injured employees back to work quickly in modified or light-duty roles. Benefits include: reduced claim costs (claims are less expensive when employees return to work), lower E-Mod ratings, maintained employee morale and skills, reduced need for replacement workers, and faster full recovery. Studies show employees who return to work quickly are more likely to fully recover and less likely to file litigation.

Loss run analysis is a detailed review of your claims history to identify patterns, trends, and opportunities for improvement. We analyze: types of injuries occurring most frequently, departments or locations with highest claim rates, times of day or week when injuries occur, root causes of incidents, and cost drivers. This data-driven approach helps you target safety improvements where they'll have the biggest impact on reducing costs.