How modONE Slashes Insurance Claims and Lowers Future Premiums for Businesses
For small and mid-sized businesses, workers’ compensation insurance can be a major cost burden. The more claims you file, the higher your experience modification rate (MOD score)—and the more you pay in premiums for years to come.
But what if you could prevent costly claims, lower your MOD score, and significantly reduce future premiums—all by improving employee engagement with safety programs?
That’s exactly what modONE does.
The Data: modONE Engagement Leads to Lower Claims
We analyzed five businesses using modONE to measure the impact of employee engagement on claim frequency and insurance costs. The results prove a correlation between high modONE engagement and reduced claims.
Customer Results: modONE Engagement vs. Insurance Claims
| modONE Customer |
Annual Premium Paid to Carrier |
Annual Subscription Paid to modONE |
% Employees Engaging with modONE |
Annual Losses Incurred by Customer |
Loss Ratio |
Note | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Customer A | $201,000 | $2,388 | 99% | $0 | 0.00 | |||||||
| Customer B | $388,942 | $2,388 | 95% | $0 | 0.00 | |||||||
| Customer C | $964,689 | $2,388 | 93% | $231,626 | 0.24 | This was ONE claim caused by a NON-ENGAGED employee. | ||||||
| Customer D | $655,000 | $2,388 | 84% | $8,094 | 0.01 | |||||||
| Customer E | $234,000 | $2,388 | 6% | $284,000 | 1.21 |
✅ Key Takeaways:
Businesses with 80%+ employee engagement had near-zero insurance claims.
Low-engagement companies had sky-high claims, leading to significant losses for their insurance carrier.
Fewer claims today mean a lower MOD score and reduced premiums for years to come.
The Relationship Between modONE Engagement and Claim Costs
This isn’t a coincidence—it’s a clear pattern. Companies that engage employees in modONE see dramatically lower claims, while low-engagement businesses struggle with costly injuries.
A Culture of Safety Requires Engaged Employees
This chart clearly illustrates the strong negative correlation between employee engagement with modONE and insurance claim frequency.
Higher engagement results in lower loss ratios, meaning fewer claims and lower costs.
Low engagement correlates with much higher loss ratios, proving that lack of safety participation leads to costly claims.
How modONE Saves You Money on Future Insurance Costs
Reducing current-year insurance claims isn’t just about avoiding immediate costs—it impacts your premiums for years. Here’s why:
1️⃣ Claims filed today increase your MOD score for three years
The Experience Modification Rate (MOD score) is a multiplier on your workers’ comp insurance premium.
More claims increase your MOD, making your business more expensive to insure.
Fewer claims lower your MOD, leading to cheaper premiums in future policy years.
2️⃣ Insurance carriers price policies based on your safety track record
Businesses with high claims pay more.
Companies with a proven history of low claims negotiate better rates.
3️⃣ Every dollar NOT spent on claims leads to direct premium savings
Insurance carriers track claim history closely—and adjust pricing accordingly.
A company preventing just one $50,000 claim could save $100,000+ in premiums over the next 3 years.
Why modONE Works So Well
1️⃣ Real-Time Engagement Tracking – Ensures employees are actively participating in safety programs.
2️⃣ Automated Safety Content Delivery – Keeps safety top-of-mind without manual effort.
3️⃣ Data-Driven Safety Management – Identifies risks before they become costly claims.
The result? Fewer claims, a lower MOD score, and significant long-term insurance savings.
The Bottom Line: Try modONE Before Your Next Insurance Renewal
💡 Want to lower claims and reduce your future insurance costs?
🚀 It starts with better employee engagement, and modONE makes it effortless.
👉 Start your free trial today at www.getmodONE.com.