Experience Mod Analysis & AI-Powered Work Comp Intelligence

Your Competitive Edge for Workers' Compensation

Mod Advisor gives brokers, carriers, MGAs, PEOs, and businesses a competitive edge in workers' compensation with AI-powered claims and experience mod analysis. Save hours of manual work, win new business, lead every renewal conversation, and turn your team into experience mod experts—with AI-generated insights and executive summaries.

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Benefits & Features

AI-Powered Features to Simplify Claims & Experience Mod Analysis

AI-Powered Insights & Executive Summaries

We're deploying AI to workers' compensation analysis. Mod Advisor's AI reads your claims and loss data, surfaces the key insights that drive your experience mod, and generates clear executive summaries automatically—so you spend less time digging through numbers and more time acting on what matters.

Loss Run & Worksheet Import Tool

Drag-and-drop tools turn messy, multi-page loss runs into clean, actionable dashboards—no spreadsheets required. Upload PDF or Excel claim files and the data is automatically extracted for your analysis.

Experience Mod Breakdown & Forecasting

Model alternative scenarios, revised mod scores, and future projections—both with and without open claim reserves.

Interactive Claims Dashboards

Filter by claim status, type, cost range, body part, day of the week, or month to uncover frequency and severity trends in seconds. Identify outliers, uncover reserve-driven mod inflation, and support adjuster assignment with advanced filtering by state, injury type, or claim status.

Intelligence-Driven Visual Storytelling

Custom dashboards reveal mod-impacting trends across policy years, claim types, and payroll classifications—giving instant clarity on experience mod drivers. Then turn that intelligence into presentation-ready mod comparisons and claim performance reports that make complex data compelling in any renewal conversation, with one click.

Benchmark Performance

Compare clients to industry peers by NAICS code, class code, or geography to identify improvement opportunities and risk exposure.

Built Different

Capabilities Our Competitors Don't Offer

Continuous development, custom reports, benchmarking, global analytics, a Sharing Center, a Solution Center, native loss-run ingestion, and SOC 2 compliance—standard in Mod Advisor.

Compare the Difference

Who Uses Mod Advisor?

One Platform, Every Stakeholder

From the broker at the kitchen table to the carrier's underwriting desk, Mod Advisor gives every party in the workers' comp chain the same clear, data-driven view.

Brokers

Win & Retain More Business

Differentiate yourself, deliver in-depth analysis, and bring actionable insights that add real value to every client relationship—so you lead renewals with strategy instead of price.

✓ Build branded, presentation-ready stewardship reports in a click
✓ Forecast mod scenarios to guide renewal conversations
✓ Pinpoint cost drivers and back up your recommendations with data

Carriers

Smarter Underwriting & Claims

Bring real-time analytics into underwriting, claims processing, and client management. Reduce costs, speed up claims response times, and deliver a higher level of service to your insureds.

✓ Triage submissions faster with structured loss data
✓ Surface reserve-driven mod inflation and outliers early
✓ Reposition from quote provider to strategic partner

MGAs

Managing General Agencies

Managing general agencies use Mod Advisor to strengthen every carrier submission and deliver carrier-grade analysis down the chain—to the brokers they serve and those brokers' clients and prospects.

✓ Enhance carrier submissions with clean, structured loss & mod analysis
✓ Arm your appointed brokers with branded, data-rich deliverables
✓ Give brokers' clients and prospects a clear story on cost drivers

PEOs

Predictable, Data-Driven Pricing

PEOs integrating modern technology and cost-saving strategies gain deeper claims insights, improve pricing predictability, and make smarter, data-driven workers' comp decisions across their client base.

✓ Roll up analytics across every worksite employer
✓ Identify the accounts driving loss and exposure
✓ Support pricing and renewal decisions with hard data

Captives

Custom Promulgation & Member Transparency

Captive insurers and their members rely on Mod Advisor for custom mod promulgation, rigorous claim review, and shared analytics—giving every policyholder in the captive a clear, data-driven view of their own risk and the program as a whole.

✓ Promulgate custom experience mods tailored to the captive's loss data
✓ Run structured claim reviews and deep claim analysis to control reserves
✓ Share live dashboards directly with member policyholders for full transparency

Businesses

Lower Costs, Safer Workplaces

Improve workplace safety and cut both the direct and indirect costs of workers' comp claims. Conduct regular risk assessments and make smarter, data-driven decisions about your program.