Learn how experience ratings in insurance impact premiums and risk assessment, incentivizing better risk management. Key insights into workers' compensation included.

Your business’s experience modification rating (ex-mod) directly translates to premium dollars, and risk managers and executives could benefit from a basic understanding of how ex-mods are calculated.

Many employers have their workers’ compensation premiums adjusted according to their experience modification. However, too many employers don’t understand how this number is calculated or how it ...

Your experience modification factor or mod is the single most important controllable factor of your workers comp pricing. Depending on your experience mod you could either be paying 50% less than your ...

Some contractors no doubt experienced sticker shock when their most recent workers’ compensation audit came back with a higher-than-expected Experience Modification Rate, or EMR [1], that raised their ...

Developer Deck13 Interactive gives you several ways to accrue experience points—known as tech scrap—in The Surge. Only one method rewards your decisions to take risks by steadily rewarding you with ...