The Email to Send Your Agent About a High Workers' Comp EMR

Updated September 15, 2026

You’ve meant to call your agent about your mod for two weeks now. Every time you think about it, you’re not sure exactly what to ask for, so it keeps sliding to tomorrow. The reason it feels hard to start isn’t the phone call. It’s that “can you look into my mod” isn’t a request anyone can actually act on.

Why a vague request stalls

An agent who gets asked to “look into the mod” has to guess what you actually want: the current number, an explanation of why it’s high, the worksheet, something else entirely. Guessing takes time, and the easiest response to a vague request is the one that answers the least: a one-line email confirming the number you already knew. A specific request, naming the actual documents by name, gets a specific answer back, usually faster.

What the email needs to do

Two things. Ask for your current experience rating worksheet, the bureau’s document showing the full calculation, not just the number. And ask for your currently valued loss runs, the carrier’s list of your claims and where each one currently stands. Both documents together are what you actually need to check whether your mod is accurate, and asking for both in one email saves a second round trip.

A template you can adapt

This is written the way a contractor would actually send it, not the way a lawyer would.

“Hi [name], our workers’ comp mod came back at [1.0X] this year and I want to check it against our own records before our next bid deadline. Could you send me our current experience rating worksheet and a currently valued set of loss runs for the three years it covers? I’d like to compare them line by line. Happy to hop on a call if that’s faster on your end.”

Notice what it does. It names both documents, gives a reason that isn’t accusatory, and offers a call as an alternative without making the email itself vague.

Who to send it to

Your agent is usually the right first stop, since they’re the one who manages the relationship with your carrier day to day. If you don’t hear back within a reasonable stretch, or your agency has changed hands recently, going directly to the carrier’s underwriting or loss control contact, if you have one, is a reasonable next step. Either way, the request is the same: both documents, by name, for the specific years in question.

Setting a light deadline

If you have a bid due or a renewal coming up, say so, and give a specific date rather than “soon.” A tight timeline changes what’s actually worth pushing on, but even without a deadline, naming one gives your agent something concrete to work against instead of an open-ended request that’s easy to let sit.

If you call instead of emailing first

Some contractors would rather pick up the phone than write an email, and that’s fine, since the same two documents matter no matter how you ask. The one thing worth doing after a call is sending a short follow-up email restating what you asked for: the worksheet, the loss runs, and the years. A phone conversation is easy to lose track of once your agent is juggling other renewals, and a follow-up email gives both of you something in writing to point back to if a week goes by with no documents.

What to do if it stalls

A week or two of quiet isn’t unusual, since pulling a worksheet sometimes means your agent has to ask the carrier directly. If it goes past that with no update, a short, direct follow-up asking specifically whether the request has gone to the carrier yet tends to get things moving again. This is your own data. Following up isn’t asking for a favor.

What not to ask for

Don’t ask your agent to “fix” your mod in the first email. That’s not a request they can act on without knowing what, if anything, is actually wrong, and it reads like you already have a conclusion rather than a question. Get the documents first. If the comparison turns up something specific, there are exact one-line requests for each kind of error that are much easier for an agent or carrier to act on than a general complaint about the number.

If you don’t hear back from a broker at all

Contractors who bought their policy through a large broker, rather than a single local agent, sometimes find nobody at the brokerage feels like the request is specifically theirs to handle. If your usual contact goes quiet, ask directly who at the brokerage owns your workers’ comp account, by name, rather than resending the same email to a general inbox. A named person tends to produce documents faster than a request sitting unclaimed in a shared queue.

Once you have both documents

Getting the worksheet and the loss runs is the step that unblocks everything else. Comparing them yourself catches some of it. A full verification catches all of it: every claim, every reserve, every class code, checked line by line, with exactly what to send back to your agent or carrier for anything that’s wrong. Try the free EMR Cost & Bid Check calculator first, or get on the waitlist for the full review. It’s a flat fee, no contingency, and the savings are yours.