If a business's experience modification factor (often referred to as an experience mod or Ex-Mod or EMR) is over 1.0, it indicates that the business has had a higher-than-average number of claims or more severe losses compared to other businesses in its industry. This can lead to higher workers' compensation insurance premiums. Here's what a business should do in this situation:

OK, you had the above car accident, now who do you call? If you bought insurance online, you call the claims department, not the same person who sold you your policy. Or a vehicle change, the service department, not the same person who sold you the policy. Have a billing question, the billing department...and so on!

With an independent insurance broker like us, you call us for all of the above! No need to talk to 4 different people depending on what you need. Same person to talk to every time. Not 4 people  ONE PERSON.

​That is the difference in an independent insurance broker vs buying insurance online. Or 1-800-insurance. We are different!