See what your current Experience Modifier may already be costing you.

This benchmark turns one Mod number into a cash-flow story: what you pay now, what an average competitor may pay at 1.00, how much extra sales your margin must generate to absorb the gap, and what stronger safety engagement could recover over time.

Average competitor benchmark: ExpMOD 1.00
3-year glide path reflects how Mod rates change over time
Built for US trades and field operations
Prepared for Company Name

Built for owners, operators, and brokers who need a fast benchmark they can actually use. Unlock the report to see premium drag, profit leakage, and a broker-ready summary you can forward in one click.

Unlock the full benchmark

Enter your work email to reveal the exact premium gap, the sales burden created by your current Mod, the safety-culture diagnosis, and the 3-year recovery model.

There is an estimated $29,656 of 3-year net value waiting inside this report.
This estimate updates instantly as you change the inputs on the left.
See what an average competitor likely pays at a 1.00 Mod
Understand what your current Mod says about your safety culture
Send a broker-ready summary with one click
Today, workers’ compensation insurance costs you:
$85,000
Your ExpMOD: 1.25
What you pay is driven by accidents and injuries that your current safety culture allows to happen. This is the visible insurance cost already hitting the P&L.
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But your average competitor only pays this amount:
$68,000
Average competitor: ExpMOD 1.00
A stronger culture of safety changes claim pressure over time, which changes what insurers charge to cover the risk. This is the benchmark a disciplined, insurable operator is working toward.
=
The difference is what your current safety culture costs you this year.
$17,000
And the operational drag around injuries often runs well beyond the insured claim once disruption, overtime, and replacement pressure are counted.
This premium gap is the tax you are already paying for preventable friction, weaker habits, and injuries that disrupt work. In the trades, direct insurance costs are often only a fraction of the real business impact.
⚠ Revenue leakage warning
$283,333
At your current profit margin, that is how much extra sales you need to generate each year just to cover the wasted cost of your inflated Experience Modifier.
Reactive culture signal

What your Mod implies

This score typically reflects a reactive culture where safety is only discussed after an injury occurs, rather than being built into your daily operational DNA.

The 4x reality

The premium gap is only the visible penalty. In the trades, the total economic hit from injuries often runs well beyond the insured claim once disruption, overtime, rework, supervisor time, and replacement hiring are counted.

Small claims can feel closer to 4.5x when disruption outweighs the claim itself.
Larger claims are often modeled closer to 2.7x in construction and field operations.
Specialized crew losses can go well beyond standard multiples when delays and replacement difficulty hit production.

This is the warning zone

You are not in crisis, but you are no longer invisible. This is often the point where better safety engagement starts paying for itself in margin protection and future insurability.

The earlier you stabilize behavior and participation, the easier it is to tell a stronger story before the number drifts higher.

The value of getting to modONE

Current year Year 1 Year 2 Year 3
Workers’ Compensation Premium $85,000 $78,370 $73,610 $68,000
Recovered Cash (estimated) — $6,630 $11,390 $17,000
modONE Program Cost — $1,788 $1,788 $1,788
Net Benefit — $4,842 $9,602 $15,212
3-year expected cost at current rate
$255,000
3-year recoverable cash
$35,020
3-year net benefit after program cost
$29,656