Control your workers’ compensation costs with experience mod analysis

Realize your company’s full potential for cost savings with a complete mod analysis by UNICO. We help our clients understand their mod rating and provide them with ways to significantly save on their workers’ compensation premiums. By using your loss history information, we can work together to create a targeted loss control program to decrease your total costs.


Proven results

In 2023, our Claim Advocacy and reserve verifications lowered claim reserves by over $4,400,000 resulting in almost $2,400,000 in premium saved due to decreases in their experience modification factor.

Discover cost drivers

We expose problem areas and understand the full impact of the mod. We examine loss trends to better understand why your losses happen and how to prevent them. From there, we can help you explore and act on opportunities for improvement.

Control your costs

By refining our focus, we can develop powerful, customized loss control solutions. We make the most of strategic cost-saving opportunities to improve your workers’ compensation program and decrease your costs.

Stay ahead of your losses

Mod analysis can better prepare you for the future. Increase the accuracy of your cost allocation and risk management decisions. Know what to expect by forecasting for future concerns, like changes in payroll or loss trends.

Mod premium analysis

The mod analysis graph highlights 4 key figures. Compare your current mod with the minimum mod to determine how much money you could be saving each year.

Current $52,500 (1.05)

Minimum $33,000 (0.66)

Average $50,000 (1.00)

Controllable $19,500 (0.39)

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