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What is it?

Workers’ compensation protects both employees and employers in the event of a work-related injury.

Who needs it?

Please refer to “Who needs it”.

Who or what determines the cost?


  Employee Classification Codes

  Experience Mod Factor

What are experience mod factors?

Experience mod factors identify employers who cause or may have the potential to cause excess workers’ compensation charges within the classification codes.  In addition, it may identify employers having the fewest on-the-job injuries with the classification codes.

If you’re still not sure whether or not you have enough insurance…

                   Please contact our office and speak with any of our agents.  They will be more than happy to assist you and answer any of your questions.