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THE LOSS RUN AND MOD REVIEW
Send us your loss runs and your workers compensation policy. We read what your carrier already knows about you, and hand back a plain reading of where your mod is heading and what is driving it.
[+] Three year mod trajectory and premium impact
[+} The claims and rot cause of what is moving your numbers
[+} A ranked list of what to fix first
[+} Where you stand against the industry
No obligation, and no pressure to retain us afterward. It is the fastest way to see whether a safety department pays for itself.
WHAT A MOD ABOVE 1.00 ACTUALLY COST
A NUMBER YOU DID NOT CHOOSE IS PRICING YOUR RISK
Your experience modification rate follows your claims history for three years. Left alone, it quietly loads your premium and greatly impacts your bottom line, eats into your profit margin, and can keep you out of future contracts and bids.
01 / PREMIUM
YOU PAY THE MOD, EVERY
RENEWAL
Workers compensation premium is your manual rate multiplied by your mod. A mod of 1.20 is a twenty percent surcharge on every payroll dollar, carried until the claims age off.
02 / ACCESS
STAY COMPETETIVE FOR CONTRACTS AND BIDS
Most General Contractors prequalify on a mod below 1.00, and the largest programs want below 0.85. Above the line, you are screened out of the work before the bid is read. But did you also know your mod can also play a huge role in being selected as a supplier, vendor, or for partnership contract consideration?
03 / EXPOSURE
OSHA DOES NOT WAIT FOR A MOD
OSHA runs its own program. One recordable event or one inspection can open a citation and a claim in the same week, and both land on the same three year record.
THE MODEL
A FULL SAFETY FUNCTION, SIZED TO YOUR PAYROLL
Hiring a safety director, manager, supervisor costs a salary, benefits, and the ramp time to build every program from scratch. Most employers between fifteen and two hundred fifty people do not have that budget, and cannot afford the gap either.
Zebella Safety Management is the third option. You get an outsourced safety department that already knows EPA, OSHA, FDA, ISO, the insurance impacts, and the prequalification platforms, for a fixed monthly fee. We handle the program so your supervisors can run the job.