Reducing your experience modification rate
The experience modification rate, or EMOD, is the multiplier that compares your claims history to others in your industry and sets your workers' compensation premium. You lower it by reducing the incidents that drive claims. SoterAI surfaces the recurring risks behind those incidents and turns them into a ranked, evidence-backed plan to act on.
What actually moves an EMOD
EMOD compares actual losses to expected losses for the class. The frequency of smaller claims usually moves it more than a single large one. The lever is not the insurer; it is the incident rate behind the claims.
Operations leadership wants the premium down, but the safety professional owns the work that gets it there. This page stays with that work. It is not a cost-cutting pitch for a finance audience.
How SoterAI builds the plan
SoterAI does not start with a form. The plan is built from the organisation's own incident and program history, not a generic template.
- Make sure Risk Intelligence is populated with incident and program documentation.
- SoterAI reviews the incident and program data and identifies recurring risks.
- It ranks those risks by severity, frequency, and return on investment.
- It produces a concise action plan with measurable corrective actions and supporting evidence.
- You review the plan, assign owners, and confirm.
Why frequency is the target
Lowering EMOD over time means removing the recurring hazards that generate claim frequency. SoterAI ranks suggested controls by the hierarchy of controls: elimination, substitution, engineering controls, administrative controls, then PPE, so the plan attacks the highest-leverage, most-recurrent risk first.
- Recurring risk
- Frequency and severity context
- Ranked control
- Expected return
- Owner
- Measure of done
Risk Intelligence is the engine
The plan is only as good as the history behind it. Risk Intelligence is built from all historical incident, control, and hazard documentation captured in the system, so the recurring-risk ranking reflects this specific organisation, not an industry average. The point is to tell you something you do not already know.
Claims and incident data from connected operational or HR systems sharpen the picture further.
Where this fits
Reducing EMOD is the analytics-and-action workflow on a horizontal platform. It sits downstream of incident reporting and trend analysis and upstream of the corrective work the safety team owns.