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.