SFM delivers long-term bottom-line value to employers
SFM-insured employers experience long-term improvement in their
e-mods. That drives bottom-line results. As this chart illustrates:
- E-mod improvements begin early. The longer the employer is with SFM, the greater the improvement.
- Improved e-mods result from controlling claim costs. SFM excels at cost control.
Your experience modification factor reflects your organization's workers' compensation loss experience relative
to businesses similar to yours in
size and type. It is a factor in the premium
calculation: The lower the
e-mod, the lower
the premium.
Download SFM's long-term value PDF
Trendline above is based on (i) average annual percentage changes for each policyholder age group, and (ii) policyholders with e-mods of 1.0 or greater when they began coverage with SFM.
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