MetRisk Services — Commercial Insurance & Risk Management
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Comp Care · Workers’ comp cost containment

Get the mod down. Then get paid for it.

Your experience mod multiplies every workers' comp dollar you'll spend for the next three years. It moves on claim frequency and duration — which means it moves on process. And process is fixable.

Book a mod review

The mechanics

The mod is a tax you can manage.

It's a multiplier, not a bill

The experience modification factor multiplies every workers' comp premium dollar you'll spend — and a bad year stays in the calculation for three years. A mod of 1.25 means paying 25% more than your competitors for identical coverage, on every renewal it touches.

It moves on frequency and duration

The mod formula weights how often claims happen and how long they stay open more heavily than how large they get. A string of open, lingering claims does more damage than one big closed one — which means the mod is a process problem.

Waiting for renewal is the expensive strategy

By the time your broker mentions the mod at renewal, the claims driving it have been developing for months. The window to change the number is between renewals — while claims are still open, reserves are still movable, and injured employees can still come back to work.

Check it on your own numbers

Two numbers show what the mod costs you.

Your comp premium and your mod, both on documents you already have — the multiplier does the rest, in either direction.

Your numbers

It's on your mod worksheet or your comp dec page. 1.00 is the rating bureaus' average risk.

Runs entirely in your browser. Nothing you type here is sent anywhere, including to us.

Enter your premium and your mod to see what the multiplier is doing to the bill.

Simplified deliberately: the mod applies to manual premium before certain credits and surcharges, the real factor is promulgated by the rating bureau from your last three completed years, and premium also moves with payroll and rates. The direction and the scale are right; your policy documents carry the exact figures.

The program

Five moves, run as a system.

01Take control of open claims

Every open claim gets an owner, a strategy, and a reserve challenge where the carrier's number doesn't match the facts. An open claim is a story still being written — we write it deliberately.

02The first 48 hours, systematized

What happens right after an incident decides what it costs. Immediate reporting, investigation while the facts are fresh, and medical direction where the state allows it — run as protocol, not improvisation.

03Return-to-work that actually returns people

Light-duty roles identified in advance, so a physician's release has somewhere to go the day it's issued. Converting lost-time claims to medical-only is the single most direct lever the mod formula offers.

04Train the people who touch the process

Supervisors, HR, and the injured employee's manager all shape a claim's trajectory in its first week. We train them on the parts they control — reporting, communication, and keeping the relationship intact.

05Then get paid for the record you built

A controlled mod and a documented claims process qualify you for reward-based programs — safety groups and dividend plans that return premium when the record supports it. The discipline stops being a cost and starts being an asset.

In their words

What that looks like when it works.

“When our Workers' Comp Experience Modification Rate (EMR) climbed above 2.0, we were facing a 50% premium increase that pushed our annual expenditure well into the seven-figure range. While other consultants and brokers simply threw up their hands—claiming our 'challenged' workforce made claim prevention impossible—MetRisk stepped in with their specialized 'Comp Care System.' In 18 months, they cut our EMR in half through aggressive claims management and staff training. Beyond the immediate savings, they transitioned us to a reward-based program that has returned over $1.3 million in dividends to our bottom line. MetRisk's unique combination of high-level systems and expert personnel delivered results that we simply could not have achieved on our own.”
Danielle Mitchell — COO
1.63 → 0.53
One client's experience mod, over three years
In their words: “within 12 months every dollar we gave them they gave us 5 back.”
$1.5M+
Dividends returned to that same client
Through a cost-sharing program, during the hardest years to earn them.

Both figures come from one client's own written account. Every account is different; the mod math isn't.

Now the useful question: what's driving it?

Bring the calculator's number and your mod worksheet — we'll walk through what's behind it and what the realistic floor looks like. 15 minutes, no obligation.

Michael Stoop
Book a 15-minute call

Fifteen minutes with Michael Stoop, our founder. Nothing to prepare — bring the question you can't get a straight answer to.

Pick a time Get a free policy review

Or call us now — 347.252.6150

Not ready for a conversation?

Wrong time of year?

Tell us the date your program renews and we'll follow up with you 120 days before it — the point where there is still time to run a real process.

Take the blind-spot check

Ten questions about your own program, answered from memory in ninety seconds. Nothing uploads.

Get one policy reviewed, free

Send the policy you are least sure about. We read it against how you operate and send back the three findings with the most at stake, each tied to its page.

Run your own loss pick

Premium and losses in, your ratio against the 50% line out — one year is enough. Nothing is submitted to anyone.

Walk a full engagement

A sample account, start to finish — the blueprint, the gaps, the scored quotes, the decision. Judge the work before the pitch.

  • Flat annual fee — never a percentage of your premium
  • Broker commission disclosed on every quote, in writing
  • No contingency payments, overrides, or profit-sharing