0:00 Introduction & Welcome 0:55 KDD Safety Introduction 1:24 Angela Sundin & WCIRB Background 2:56 Who is the WCIRB? 5:53 What is Experience Rating? 8:27 Understanding X-Mods (Experience Modifications) 10:46 How to Read the Experience Rating Worksheet 12:55 X-Mod Calculation: Actual vs. Expected Losses 17:27 How Employers Can Validate Their X-Mod 20:14 Building a Safety Culture to Lower Costs 26:23 Solving Incident Underreporting 30:21 Claim Frequency vs. Claim Severity 33:36 The 25% Cap on X-Mod Increases 37:33 Q&A: Employer Size, Penalties & Audits FEATURING: Angela Sundin Alok Maheshwari Vivek Kumar SUBSCRIBE: @teamforceai?sub_confirmation=1 DESCRIPTION: Are you paying more than you should for Workers’ Compensation Insurance Rating Bureau (WCIRB) but never get a straight answer why? In this recorded webinar, a WCIRB data analyst and a veteran safety leader break down how your Workers’ Comp rating really works and what you can do to get control of your premium. You’ll hear practical guidance on: • How your X-Mod / EMR affects what you pay • Why claim frequency can quietly punish your premium • Common mistakes employers make with Workers’ Comp • Concrete steps to start bending your costs down Recorded November 18, 2025 Hosted by Teamforce AI • Learn more: #workerscomp #xmod #emr #workerscompensation #insurancepremium #riskmanagement #safety #manufacturing #teamforceai