What is a Workers Comp Minimum Experience Modifier

In worker's compensation insurance, the minimum experience modifier is the "holy grail" for businesses in the middle market because it drives the cost of your worker's compensation to the lowest cost possible.

How do you get a minimum experience modifier?

It's basically earned when you have zero claims in your three-year experience rating period. In this video, we describe that in greater detail and how to actually achieve a zero or near zero claim rate, and what it could mean to your future premiums.

Getting to the minimum experience modifier is the difference between being lucky and having a process to drive your worker's compensation costs to the lowest point possible.



Gordon B. Coyle, CPCU, ARM, AMIM, PWCA
The Coyle Group
845-474-2924