Debit Experience Modification Risks

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Debit Experience Modification Risks

Transforming people from absent or idle to present and productive®

The solution for debit rated risks

We specialize in businesses with a high number of lost time days due to soft-tissue injuries that could result in higher long-term costs to the employer.

Our specialized claims management model helps to identify the claimants that could be at higher risk of increased costs and focuses intently on returning the claimants to work. 

Injured employees get back to health and productivity, fast. 

Employers could see lower claim costs and reduced indirect impact to the business and its employees.



Target criteria for debit rated businesses


Debit rated: Debit experience modification factor greater than 1.10

Employer size: Minimum annual premium of $50,000

Type of operation: "Four wall" exposures, meaning work is done at a facility

Injuries: Work generates primarily soft tissue injuries


Target businesses for debit rated workers' compensation


  • Healthcare
  • Manufacturing
  • Retail
  • Wholesale
  • Hospitality
  • Schools


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