Partners

February 1, 2023

Explaining e-mods

Please watch this agent training on e-mods.

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 resource 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.

For more information, we recommend reviewing NCCI's ABCs of Experience Rating. If you have any additional questions, please don't hesitate to contact your underwriter or agency sales manager.

Pinnacol agent sell sheet

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