Use this checklist before your next workers’ comp renewal — most of the errors that inflate premium are catchable with a focused review.
Before Your Renewal
- Request your current E-Mod worksheet from your carrier or broker
- Confirm every claim listed is accurate and shows the correct status (open/closed)
- Check that claim reserves match what you’d expect given the actual injury/incident
- Verify your classification code(s) match your current operations
- Cross-check reported payroll against actual payroll records by category — payroll guide →
- Confirm officer/owner payroll exclusions or caps were applied correctly, if applicable
- Review whether old claims that should have closed are still showing as open
- Ask whether a payroll audit discrepancy from a prior year was ever resolved
Red Flags That Usually Mean You’re Overpaying
- Your E-Mod has stayed above 1.0 for multiple years with no corresponding claims explanation
- You’ve changed the nature of your work but never updated your classification
- You’ve never seen your actual E-Mod worksheet
- Your premium jumped significantly at renewal with no corresponding claims activity
This Checklist Is Especially Relevant For
Contractors · Landscaping businesses · Restaurants
What is an E-Mod? → | How to reduce workers’ comp premium → | Request a free audit →
