Schedule Mod / Schedule Rating
Definition. Schedule Mod is a discretionary premium credit (or surcharge) Workers Comp carriers apply outside the formal Experience Modifier formula.
Also known as: Schedule Rating, Carrier Discretionary Credit
Typically ranges from -25% to +25%. Carrier underwriter applies based on subjective factors: safety program quality, loss-control culture, owner involvement, claims-management responsiveness. Distinct from EMR (which is a statistical formula).
Sources cited
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Reviewed by California-licensed Property & Casualty insurance agent
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