Reduce Your Experience Modification Rate (EMOD)
How You and SoterAI Deliver Savings, Safety, and Long-Term Loyalty
As a broker or carrier risk services team, you know that Experience Modification Rate (EMOD) directly impacts your clients' workers' compensation premiums. SoterAI empowers you to deliver measurable EMOD reduction through automated historical data analysis, targeted virtual or in-person site audits, and hazard identification—positioning you as an indispensable strategic advisor while strengthening client retention and creating revenue growth opportunities.
Lower EMOD = Safer, Cheaper, Stronger
Reducing EMOD creates a triple impact — lowering costs for clients, protecting employees through safer workplaces, and strengthening your role as a trusted partner. It's not just savings; it's a sustainable advantage for everyone.
Clients
- Lower premiums
Reduced EMOD directly translates to lower workers' compensation insurance costs
- Higher productivity
Fewer injuries mean less downtime and more consistent operations
- Stronger reputation
Better safety record enhances reputation with carriers, customers, and partners
Employees
- Safer workplace
Proactive hazard identification and control reduces injury risk
- Better morale
Employees feel valued when their safety is prioritized
- Fewer lost workdays
Prevention and early return-to-work programs minimize time away from work
Your Firm
- Higher retention
Demonstrable value through EMOD reduction builds lasting client loyalty
- Trusted advisor role
Move beyond transactional relationships to strategic partnership
- Revenue growth opportunities
Create space to deliver higher-value risk services and expand your offerings
How EMOD Reduction Creates Client Value
See how lowering EMOD directly reduces workers' compensation premiums and transforms your client's bottom line
EMOD Reduction Over 3 Years
From 1.25 to 0.95 EMOD
Midwest Manufacturing Company
How EMOD Reduction Saves Money:
Workers' comp premiums = Base Rate × Payroll × EMOD
When EMOD drops from 1.25 to 0.95, the premium multiplier decreases by 24%
Plus additional savings from fewer injuries, reduced claims costs, and improved productivity
Safer Workplace
- • Fewer injuries & claims
- • Higher productivity and morale
Stronger Business
- • More competitive bids
- • Predictable insurance costs
- • Better carrier relationships
Trusted Partnership
- • Demonstrates measurable impact
- • Increases client loyalty
Lower EMOD builds loyalty and creates space for you to deliver higher-value services.
How SoterAI Enables EMOD Improvement
From Data to Actionable Strategy
Together, these steps give you a clear, data-driven view of each client's risk profile, creating the foundation for targeted EMOD improvement.
Data Ingestion
Incidents, controls, policies, and risk data
Ingested into the Risk Intelligence Layer
Initial Risk Profile Report
Automated analysis of client risk profile
Identifies exposures and audit focus areas
Enhanced Data Capture
Site audits, photos, interviews, observations
Expands and strengthens the client risk model
Turning Insights into Safer Outcomes
From strategy to execution and continuous improvement
This cycle ensures EMOD reduction is not a one-off report, but an ongoing process of safer operations and measurable savings.
EMOD Strategy Report
Generates targeted actions for EMOD reduction
Defines both quick wins and long-term roadmap
in SoterAI (and email)
Tasks tracked and assigned to accountable owners
Notifications ensure timely follow-through
Module
OSHA-compliant reporting & quality investigations
Ensures repeat hazards are controlled and prevented
Continuous Improvement Cycle
New data continuously feeds the model • Strategy evolves for sustained impact and prevention
Building Your SoterAI Data Model
From historical analysis to predictive insight
Together, you and SoterAI move from explaining past EMOD performance to predicting, and preventing, future losses.
Joint Data Model
Link historical incident and claim data with EMOD outcomes to reveal cost-driving patterns.
Predictive Risk Modeling
Forecast EMOD shifts and test "what-if" scenarios for proactive decision-making.
Expanding Inputs Over Time
Add hazards, inspections, audits, ergonomics, and near-miss data to strengthen prediction accuracy.
Advisor Advantage
Enable yourself to anticipate risks and position as a trusted, data-driven advisor.
Brokers Achieving Results with SoterAI
See how leading risk services teams are using SoterAI to deliver measurable value and strengthen client relationships
Collins & Associates
Risk Management & Insurance Services
Time Savings on Administrative Tasks
Rapid Loss Data Analysis: Process 10-30 pages of claims history in minutes instead of hours, identifying cost-driving patterns for targeted EMOD reduction
Policy Review Automation: Analyze entire safety manuals in seconds, pinpointing gaps that impact claims frequency
More Client Face Time: Spend saved hours on strategic risk management and action planning with clients
OVD Insurance
Premier Insurance & Risk Management Firm
Reduction in Risk Report Development Time
Automated OSHA Referencing: AI identifies violations and recommends corrective actions, eliminating manual standard searches
Enhanced Report Accuracy: Consistent, uniform reports with automated compliance checks improve client risk assessments
Elevated Client Satisfaction: Faster turnaround enables more efficient risk consultations and demonstrates measurable value
"A game changer for OVD's risk management operations, elevating both internal efficiency and client satisfaction."
Turning Risk Into Opportunity
Low effort for you, high impact for clients
SoterAI Does the Heavy Lifting
Automated data ingestion, analysis, and workflow management means minimal labor required from you.
Your Expertise Amplified
Risk Services knowledge is layered on top of SoterAI's insights to deliver trusted, high-value advice.
Revenue & Retention Engine
Lower EMOD builds client loyalty while creating space for you to deliver higher-value services and grow Risk Services revenue.
Start Delivering Measurable EMOD Reduction Today
Transform your risk services into a loyalty and revenue opportunity