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Experience Modification (E-Mod) Review

Unlock Savings & Win More Bids with Expert Experience Mod Analysis

As a construction contractor, you know that workers’ compensation insurance is a major expense—and your ability to win contracts often depends on your workers’ comp experience modification rate (EMR or “experience mod”). But did you know that even small errors or overlooked claims can cost you thousands in unnecessary premiums and even disqualify you from lucrative projects

Workers Compensation Review
Workers Compensation Review

Reduce Your Premiums by 5%–20%

By analyzing your payroll, job classifications, and claims history, we can identify errors and opportunities that could lower your experience mod. This means direct savings on your workers’ comp premiums—often thousands of dollars per year

Qualify for More Projects

Many public and private contracts require an experience mod below a certain threshold. Lowering your mod can open the door to new bidding opportunities, helping you grow your business and increase revenue

Ensure Accurate Ratings

Mistakes in payroll reporting, job classifications, or claims reserves can inflate your experience mod. we can review your data for accuracy and advocate for corrections with your insurance carrier

Does Your Agent Provide These Services?

Let’s work together to lower your costs, improve your safety record, and win more business. Contact us today for a complimentary experience mod review and see how much you could be saving!

Family Counseling

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Complete Solutions

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Extra Assistance

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Understand your business

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Galvan And Associates Workers Compensation Review