E-Mod X-Mod Ex-Mod Question From One Of Our Readers

Recently, our California Ex Mod greatly increased due to a few open claims that are dragging on and on. My policy doesn't expire until mid-year and I am being charged an "endorsement - additional" by my carrier, this amount they explained is based on our Ex Mod increase. We have been in business for over 25 years and never had this issue arise. Is this normal practice of workers comp insurance?

This is a slightly edited version of a question that we received yesterday on Workers Comp Ex-Mods or X-Mods in California. Would any of our expert readers want to input their opinions? I have my opinion which I will share later in the week. I wanted to see what our blog readers thought on this situation.