--- title: Ryan Specialty Blog | Experience Modification Factor description: Experience Modification Factor | Featured news, industry knowledge, market updates, and educational content from across Ryan Specialty, a leading international specialty insurance firm. --- [Skip to content](https://blog.ryanspecialty.com/tag/experience-modification-factor#main-content) Search search cancel-thin [![Ryan Specialty](https://blog.ryanspecialty.com/hubfs/Ryan%20Specialty%20-%202022%20Logos/RyanSpecialty_RGB.svg "Ryan Specialty")](https://blog.ryanspecialty.com/) cancel-thin - [Who We Are](https://ryansg.com/who-we-are/) Show submenu for Who We Are - [Our Services](https://ryansg.com/who-we-are/#companies) - [Ryan Specialty History](https://ryansg.com/who-we-are/#history) - [Chairman's Letter](https://ryansg.com/who-we-are/#chairman) - [Leadership](https://ryansg.com/who-we-are/#leadership) - [Our Approach](https://ryansg.com/our-approach/) Show submenu for Our Approach - [Our Values](https://ryansg.com/our-approach/#approach) - [Our Difference](https://ryansg.com/our-approach/#difference) - [What We Offer](https://ryansg.com/what-we-offer/) Show submenu for What We Offer - [Wholesale Brokerage](https://ryansg.com/company/rt/) - [Binding Authority](https://ryansg.com/company/binding/) - [Underwriting Management](https://ryansg.com/underwriting-management/) - [News](https://ryansg.com/news/) Show submenu for News - [News & Press Releases](https://ryansg.com/news/) - [Ryan Specialty Blog](https://blog.ryanspecialty.com/) - [Careers](https://ryansg.com/careers/) - [Contact](https://ryansg.com/contact/) - [Investors](https://ir.ryansg.com/) ## Ryan Specialty Blog Filter by Topic [cyber-liability](https://blog.ryanspecialty.com/tag/cyber-liability) [professional-executive-liability](https://blog.ryanspecialty.com/tag/professional-executive-liability) [property](https://blog.ryanspecialty.com/tag/property) [workers-compensation](https://blog.ryanspecialty.com/tag/workers-compensation) [binding-authority](https://blog.ryanspecialty.com/tag/binding-authority) [transportation](https://blog.ryanspecialty.com/tag/transportation) [casualty](https://blog.ryanspecialty.com/tag/casualty) [healthcare](https://blog.ryanspecialty.com/tag/healthcare) [construction](https://blog.ryanspecialty.com/tag/construction) [Subscribe to Receive Content & Resources](https://share.hsforms.com/1w34K4G61R72waJApZLE1vA40u3f?__hstc=40715453.bda5d244e50c802432a4754019038eb4.1649055384817.1649948150611.1650006834484.22&__hssc=40715453.7.1650006834484&__hsfp=1947210934) #### Posts about Experience Modification Factor: [![RT Specialty Employers Liability](https://blog.ryanspecialty.com/hs-fs/hubfs/ExcessEmployersLiability_2000x1000.jpg?width=365&height=200&name=ExcessEmployersLiability_2000x1000.jpg)](https://blog.ryanspecialty.com/the-employers-liability-exposure-hiding-in-work-comp) [RT Workers' Compensation](https://blog.ryanspecialty.com/author/rt-workers-compensation) [The Employers Liability Exposure Hiding in Work Comp](https://blog.ryanspecialty.com/the-employers-liability-exposure-hiding-in-work-comp) Workers’ Compensation is one of the most common coverages retail agents place. Limits are standardized, policies are routinely renewed, and Employers Liability is often seen by employers as a supporting... [![image](https://blog.ryanspecialty.com/hs-fs/hubfs/WC/WCFamily_2000x1000.jpg?width=365&height=200&name=WCFamily_2000x1000.jpg)](https://blog.ryanspecialty.com/6-women-who-mean-business-and-write-it-too) [RT Workers' Compensation](https://blog.ryanspecialty.com/author/rt-workers-compensation) [6 Women Who Mean Business (and Write It Too!)](https://blog.ryanspecialty.com/6-women-who-mean-business-and-write-it-too) In the ever-evolving world of insurance, a remarkable transformation is underway, driven by a group of dynamic women who are fueled by collaboration and redefining what success looks like. [![RT Specialty Workers' Compensation](https://blog.ryanspecialty.com/hs-fs/hubfs/WC/WCSubcontractorRipplesBlog_2000x1000.jpg?width=365&height=200&name=WCSubcontractorRipplesBlog_2000x1000.jpg)](https://blog.ryanspecialty.com/the-ripple-effect-of-subcontractors-on-the-job) [RT Workers' Compensation](https://blog.ryanspecialty.com/author/rt-workers-compensation) [The Subcontractor Ripple Effect](https://blog.ryanspecialty.com/the-ripple-effect-of-subcontractors-on-the-job) Subcontractors aren’t just another line item; they can quietly and significantly reshape your clients’ Workers’ Compensation exposure. When overlooked, their impact can escalate costs and complicate risk... [![image](https://blog.ryanspecialty.com/hs-fs/hubfs/WC/WC_FireRestoration_2000x1000.jpg?width=365&height=200&name=WC_FireRestoration_2000x1000.jpg)](https://blog.ryanspecialty.com/wc-essentials-for-fire-recovery-efforts) [RT Workers' Compensation](https://blog.ryanspecialty.com/author/rt-workers-compensation) [Workers' Comp Essentials for Fire Recovery Efforts](https://blog.ryanspecialty.com/wc-essentials-for-fire-recovery-efforts) Whether it's a construction firm, [restoration contractor](https://rtspecialty.com/workers-compensation/workers-compensation-for-restoration-contractors/), disaster recovery service, or another business pivoting to support fire-affected areas, it’s important to understand how a shift in operations can... [![image](https://blog.ryanspecialty.com/hs-fs/hubfs/iStock-1182777182_tablet_graph_desk.jpg?width=365&height=200&name=iStock-1182777182_tablet_graph_desk.jpg)](https://blog.ryanspecialty.com/product/workers-compensation/what-are-e-mods-and-why-do-they-matter) [RT Workers' Compensation](https://blog.ryanspecialty.com/author/rt-workers-compensation) [What Are E-Mods and Why Do They Matter?](https://blog.ryanspecialty.com/product/workers-compensation/what-are-e-mods-and-why-do-they-matter) A business’s experience modification factor (E-Mod) directly impacts the premium they are charged for their workers’ compensation coverage. Insureds often inquire about this important rating factor when... - Company Show submenu for Company - [Who We Are](https://ryansg.com/who-we-are/) - [Our Companies](https://ryansg.com/who-we-are/#companies) - [Our Team](https://ryansg.com/who-we-are/#chairman) - Specialties Show submenu for Specialties - [Wholesale Brokerage](https://ryansg.com/company/rt/) - [Binding Authority](https://ryansg.com/company/binding/) - [Underwriting Management](https://ryansg.com/underwriting-management/) - Stay in Touch Show submenu for Stay in Touch - [Careers](https://ryansg.com/careers/) - [News](https://ryansg.com/news/) - [Contact](https://ryansg.com/contact/) Connect with us [Follow us on LinkedIn](https://www.linkedin.com/company/ryan-specialty-group/) [Follow us on Twitter](https://twitter.com/RSG_insurance) [Follow us on YouTube](https://www.youtube.com/channel/UCew824sPCrKcGoeGBbwFF4A) [SUBSCRIBE TO RYAN SPECIALTY NEWS](https://get.ryansg.com/email-subscription) © 2026 All rights reserved. - [LEGAL](https://ryansg.com/legal/) - [PRIVACY](https://ryansg.com/privacy/) - [EUROPEAN OPERATING MODEL](https://ryansg.com/ryan-specialty-group-europe-post-brexit-european-operating-model/)