X-Mod Review — Plumbers Pro

X-Mod review

Your X-Mod tells a story. Let's understand it.

Enter the figures from your rating worksheet to see what your experience modification is costing you and what's worth a closer look. Then, if you want, ask a licensed producer to review the real thing.

Illustrative Calculator, chart, flags and explanation below work only from what you type in. Not connected to WCIRB. Live The review request at the bottom goes to a licensed Pembroke producer.

A flag here is a question to ask, not a confirmed rating error, and nothing on this page guarantees a premium reduction. Confirming anything requires your official experience rating worksheet and loss runs.

Your numbers

Current X-Mod * The multiplier on your rating worksheet

Annual WC premium at that X-Mod * What you pay today, before any scheduled credits

Prior years (optional)

Two years ago

Last year

Open claims older than 12 months

Any claim where reserves look higher than the likely payout?

Payroll reported under 5183 (plumbing)

The values shown when the page loads are an example. Replace them with yours.

Where you stand

1.34

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Premium at 1.00—

Difference vs. today—

Per employee hour (est.)—

Model a different X-Mod: 1.00

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Illustrative only. It assumes your premium scales directly with the X-Mod and holds payroll, rates and credits constant. Your actual premium depends on carrier rates, classifications, scheduled modifications and other factors.

X-Mod trend

From the values you entered

Worth a closer look

Review items generated from what you entered. Confirming any of them requires your official rating worksheet and loss runs.

Plain-language explanationGenerated from your inputs

Request a professional review

Live

A licensed Pembroke producer will read your actual rating worksheet and loss runs and tell you plainly whether anything looks wrong, and what, if anything, can be done about it. Your figures above are included with the request.

Your name *

Business name *

Email *

Phone

Federal EIN (optional)Your rating history is filed by FEIN. Providing it lets us pull your official X-Mod history as soon as you authorize the review.

Anything we should know

Pembroke Insurance Solutions may contact me about this review.By phone, email or text. Send me the authorization form so Pembroke can request my rating worksheet and loss runs.Optional. We'll send it by email; nothing is requested from WCIRB or your carrier until you sign it.

Learn more

Understand the number before you send it

Workers' comp

Your X-Mod tells a story. Let's understand it.

Your numbers

X-Mod trend

Worth a closer look

Request a professional review

Understand the number before you send it

What is an X-Mod and why does it matter for plumbing contractors?

Seven common issues to review in a plumbing contractor's X-Mod

California plumbing contractor insurance requirements: a C-36 guide