Agent News
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Explaining e-mods

March 19, 2019
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Agents tell us that explaining to their clients how e-mods (experience modifications) work can be challenging. To make it easier for you, we’ve created a flyer that answers basic questions about e-mods, including:

  • What is an e-mod factor?
  • Who determines experience ratings?
  • Who qualifies?
  • What years are included in an e-mod calculation?
  • How is an e-mod calculated?
  • How can I lower my e-mod?

We encourage you to share this flyer with your clients who have questions about e-mods. If you have any additional questions, please contact your Pinnacol underwriter or agency relationship manager, who will be happy to help.

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