How will a claim affect my e-mod factor and premium?

It is difficult to estimate an injury’s exact effect on your e-mod and your premium. Your e-mod factor is based on your losses for the past three years, not including the most recent year, so a claim in 2024 will not impact your e-mod until 2026. The National Council on Compensation Insurance adjusts e-mod calculations each year to anticipate both a company’s losses and the losses of all businesses within the industry.