Long term, SFM-insured employers experience substantial improvement in their workers' compensation e-mods, which drives bottom-line results. As illustrated in the chart:
- E-mod improvements begin early. The longer the employer is with SFM, the greater the improvement.
- Improved e-mods result from preventing injuries and controlling claim costs. SFM excels at cost control.
Your e-mod
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.
Bottom line: Choosing SFM and staying with SFM as an insurer
long-term saves employers money.
View this information in PDF format  |
