Mod
Mod is the everyday word contractors, agents, and GCs use for your experience modification rate (EMR), also sometimes called your x-mod or experience rating. All three terms mean the same multiplier on your workers' compensation premium, calculated from your own payroll and claims history. When someone asks what your mod is, they're asking for the same number that shows up on your experience rating worksheet and on a GC's prequalification form. There's no difference in meaning between mod and EMR on this site or anywhere else in the industry. The word mod gets used more in casual conversation, on a jobsite or over the phone with an agent, while EMR and experience modification rate show up more often on the actual paperwork. If your mod is above 1.0, your claims history looks worse than average for a contractor your size doing your kind of work. Below 1.0, better than average.
Common questions
Is mod the same thing as your EMR?
Yes. Mod, EMR, x-mod, and experience modification rate all mean the same number.
See also
Source
Is your mod right?
Most contractors have never had the worksheet compared to the loss runs and payroll behind it. See what your mod is costing you, or get on the list for a full verification.