In the world of workers’ comp, high experience modification factors (mods) often make clients harder to place and harder to keep. But brokers who see beyond the mod and deliver real, ongoing value can transform high-mod clients into loyal, long-term relationships.
Here are three proven ways to do it.
1. Go beyond the policy: offer proactive safety solutions
High mod scores usually stem from a pattern of claims, injuries, or operational risks. Offering clients a policy is only part of the answer. What truly differentiates your service is helping them reduce risk going forward.
At Foresight, every policy comes with our safety program which includes virtual coaching and Safesite, a mobile-first safety engagement platform that helps insureds prevent incidents before they happen. By highlighting built-in safety tools and campaigns tailored to their real exposures, you can turn a price conversation into a proactive risk management discussion, something most competitors aren’t doing.
Result: Clients see you as a partner in improvement, not just a policy broker.
2. Show them the numbers (and the path forward)
Clients with high mods are often overwhelmed or frustrated by numbers they feel they can’t control. Help them take back control by translating safety activity into potential mod impact.
Use data to:
✅ Illustrate how fewer claims could reduce future mods and premiums — leverage tools like ModMaster to model different claim scenarios and show the potential savings.
✅ Track and share engagement data from safety platforms like Safesite, so clients see how proactive participation connects to better outcomes.
✅ Benchmark performance against industry peers, highlighting where your client is leading — or where there’s room to improve.
When clients understand the why behind your recommendations and see real, actionable metrics, it builds trust and keeps the renewal conversation focused on progress, not just price.
3. Build trust with consistent, human support
Technology helps, but it can’t replace genuine partnerships. High-mod clients often need more check-ins, quick answers to risk questions, and help navigating renewals or claims. That’s where co-selling support, dedicated broker teams, and direct access to safety experts make a difference.
At Foresight, our broker partners can tap into real people, not chatbots, to help prepare proposals, review risk data, or pitch to decision makers. By offering clients that same level of access and responsiveness, you become more than a service provider; you become part of their team.
Final takeaway:
Turning a high-mod workers’ comp client into a loyal one isn’t just about finding coverage; it’s about delivering continuous safety value, transparent data, and human support.
That’s how brokers protect accounts, grow relationships, and stand out in a crowded market.
Want to see how Foresight helps brokers do exactly that?
👉 Learn more about our safety-driven workers’ comp program.
