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About Luke Sauerman

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So far Luke Sauerman has created 2 blog entries.

Workers’ Compensation Rates Drop, Yet Premiums Remain Unchanged

By |2025-04-29T15:59:48+00:00April 29th, 2025|Blog, Construction, Trending|

In Workers' Compensation, the reality is that the E-Mod score determines the majority of the annual premium, rather than the non-disputable rates assigned by the NCCI for each class code. Which is to the benefit of savvy companies that understand how the EMOD score works and know how to control it.

Is One Massive Claim to Blame? What is the Real Result of My Sky-High EMOD?

By |2025-02-03T19:57:46+00:00February 3rd, 2025|Blog, Construction, Trending|

Many have been there staring at a workers’ compensation insurance proposal, overwhelmed by a premium so steep it feels like a punishment. The explanation seems simple: one big, catastrophic claim has thrown your experience modification factor (EMOD) into chaos, leaving you with an astronomical bill.

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