High Debit Mod

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Key featuresOur appetite

Flexible underwriting for accounts with an uncharacteristic rise in experience modifier

When bad experiences happen to good insureds, we’re here to help. Our debit mod workers’ compensation program for California is backed by A.M. Best “A VIII” capacity to help your clients navigate the difficulty of having a high X-mod.

With programs to serve a variety of sectors, you can count on our team of experts for specialized situations. In a niche market, our team provides the expertise necessary to solve problems with an open mind, while ensuring the finer details are taken care of too, such as flexible payment options and white glove service.  

Key features

  • California only
  • Experience mods from 1.01 to 3.00
  • Broad class code eligiblity
  • Flexible payment plan options
  • Annual premiums starting at $50,000
  • Debit mod business only
  • Partnered with national loss control experts, Sedgwick to provide: 
    • On-site survey and hazard evaluations 
    • Ergonomics assessments and training 
    • Safety services, training and consultation 
    • Specialty jobsite and workplace training topics available 
    • Online library or safety training 
  • Partnered with dedicated claims partner, LWP Claims Solutions: 
    • CA dedicated TPA delivering better than industry results 
    • Nurse triage program available upon request 
    • Prescription first fill program for injured workers 
    • Fraud prevention and special investigations unit 
    • LWP CareConnect - communication engagement portal for injured workers 
    • Client/agent portal access available upon request 
    • Regular claims reviews available upon request 
  • Flexible billing options 
    • Monthly payroll reporting – Direct bill 
    • Monthly installment plan – Direct bill 
    • Agency Billing 

Target classes

Manufacturing and fabrication

Food processing

Auto repair, sales and service

Artisan and trade contractors

Restaurants and hospitality

Professional services

Retail operations

Wholesalers and distributors

Medical healthcare

Submission requirements

  • Completed ACORD 130
  • Supplemental application
  • WCIRB ex mod worksheet (when available)
  • 5 years of currently valued loss runs (dated within 90 days of the submission date)
  • Financials if premium is greater than $500,000

For binding coverage, please include:

  • Chosen payment plan
  • Signed ACORD 130

Document downloads

Product resources

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Elliot Landes

Senior Vice President, Director of Workers Compensation

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