"Same Payroll, Same Rate — But One Pays Thousands Less - Same neighborhood. Same payroll. Same workers’ comp rate.

But one California home health agency pays thousands less each year — just because of their Experience Modification (Ex-Mod).

Let’s break it down 👇

🏠 Agency A

• Annual Payroll: $2,000,000

• Base Work Comp Rate: $4.50 per $100 of payroll

• Ex-Mod: 0.65

💰 Annual Premium:$2,000,000 ÷ 100 × $4.50 × 0.65 = $58,500

🏠 Agency B

• Annual Payroll: $2,000,000

• Same Base Rate: $4.50 per $100

• Ex-Mod: 0.84

💰 Annual Premium:$2,000,000 ÷ 100 × $4.50 × 0.84 = $75,600

🔍 Difference:$75,600 – $58,500 = $17,100 saved every single year.

📉 That’s over $17,000 in savings — with the same rate, same work, same neighborhood — all because one agency managed their Ex-Mod better.

Your Ex-Mod isn’t just a number. It’s a scorecard that affects your bottom line, your competitiveness, and your ability to win contracts.

✅ At Peloton Insurance Brokers, we help California home health, hospice, and homecare agencies:

• Audit and control their Experience Modification

• Identify hidden claims errors

• Reduce workers’ comp premiums

• Keep their agency safer and more profitable

📞 Schedule your free Ex-Mod Review & Work Comp Audit today. Let’s find out if you’re paying more than you should. 949-359-1380

👉 pelotoninsurancebrokers.com

#WorkersComp #HomeHealth #ExMod #InsuranceAudit #PelotonInsuranceBrokers