

An X-Mod is a numeric factor that may be greater than, equal to, or less than 1.0. X-Mods are used in experience rating, which looks at your previous claims history to modify your current premium. Your X-Mod can significantly increase or decrease your cost of insurance so it’s important to understand what it is and where it comes from. You’ll find it on the Information Page of your policy in the section that shows your premium. It may also be called an E-Mod or experience modification rate (EMR). An X-Mod is a numeric factor that’s used to calculate your workers' compensation premium. In this case, the only you can do is to ask for assistance of a professional staff.If there’s one thing about workers' compensation insurance that confuses business owners, it’s the experience modifier (X-Mod). If the problem with the XMOD file has not been solved, it may be due to the fact that in this case there is also another rare problem with the XMOD file. If you are sure that all of these reasons do not exist in your case (or have already been eliminated), the XMOD file should operate with your programs without any problem.
