Most companies count on the governing agency in charge of calculating our experience modifier, yet oftentimes, it is incorrect, resulting in the inability to bid on jobs or overpaying on your worker’s compensation insurance. The process and multiple factors used in producing the final modifier are complicated, and errors can occur. Most businesses don’t realize the impact on their insurance premiums that an incorrect modifier can cause. Not only is the premium affected many times, but this factor is also used by government agencies to determine how efficient and safe a company operates its affairs. Modifier rates over 1.0 often factor in the ability to bid on jobs. Even with a low modifier, many business owners aren’t aware that their modifier could be lower than it is, resulting in further savings due to errors in the data being provided.

Watkins Insurance Group will review the accuracy of your modifier to ensure you aren’t overpaying for your worker compensation and can get on the job site. By verifying payroll data, loss claim data, and reporting of your data, we can determine if you have been overpaying premiums for your policy and recoup those dollars for you.



This website provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits, and losses not covered, be sure to read the policy, including all endorsements, or prospectus, if applicable. Coverage CANNOT be bound, amended, or altered by leaving a message on, or relying upon, information in this website or through email.​