How One Broker Protected a Cornerstone Account Using Mod Advisor

A large last-mile delivery company—growing quickly and dependent on a major contract—was facing serious workers’ compensation challenges. Their contract required maintaining an experience mod under 1.00, yet recent claim activity was pushing their mod higher.

If the mod went over 1.00, the client risked losing their largest revenue source—and potentially their business.

The broker, who had relied on traditional spreadsheets and carrier worksheets, needed a solution of where the mod was heading and what actions the client needed to take. They needed answers fast and purchased Mod Advisor.

Using Mod Advisor, the broker ran a future mod forecast, and the results were alarming: The projected experience mod was expected to exceed 1.00, placing the client’s main contract in jeopardy. It immediately became an all-hands-on-deck situation.

With Mod Advisor’s modeling tools, the broker explored “what-if” scenarios across payroll, claim reserves, open claims, and expected losses—giving the client visibility they had never had before.

As the analysis intensified, the client’s leadership team wanted real-time access themselves, prompting the broker to add a client-facing Mod Advisor subscription.

The client began using Mod Advisor’s forecasting engine to model various combinations of payroll growth, staffing changes, and reserve reductions. One insight became clear: a targeted return-to-work program would dramatically improve their projected mod and lower long-term costs.

• Early identification of claims that needed additional nurse triage
• Reallocating payroll across functions to match expected growth
• Modeling the impact of removing old reserves and closing high-severity claims
• Investing in RTW programs focused on lost-time indemnity claims

The results were immediate and meaningful:

• The broker retained the cornerstone account by showing clear, data-driven strategies.
• The client successfully kept their mod below 1.00, securing their largest contract.
• Both parties gained a long-term roadmap for controlling claim impact and stabilizing work comp costs.

Contact us today at sales@modadvisor.com to learn how your company can use Mod Advisor to win new business.