Why It’s Now Harder Than Ever to Maintain a Sub‑1.0 MOD Rate0

• Improving Productivity, Insurance
• March 31, 2026

For years, contractors have understood the importance of a low workers’ compensation experience modification rate—better known as the MOD. A strong MOD tells a clear story: a contractor with solid safety practices, fewer incidents, and well‑controlled workers’ compensation costs. It also sends a powerful message to customers who increasingly view MOD as a proxy for