CompShieldWorkers' Comp Claims Defense
Free Toolkit

Workers' Comp Cost Toolkit

Three tools that show you where your workers' comp money goes: what your experience mod costs you, how each claim feeds it, and what your loss runs are hiding. Built for employers who want straight answers, not sales decks.

🔒Private by design. Every calculation happens in your browser. Nothing you type is sent to us or anyone else.
1. Mod Impact Calculator 2. Primary vs. Excess Analyzer 3. Loss Run Red-Flag Analyzer
Tool 1

Mod Impact Calculator

Your experience mod is a multiplier on your premium. See what it costs you now, and what each point of movement is worth per year.

Your numbers

Use your manual premium (before the mod is applied). Find it on your policy declarations page.

$

What your mod means

Estimated annual premium at your current mod
$180,000
Mod surcharge vs. 1.00$30,000
Mod movesNew modAnnual change
Educational estimate only. This is simple multiplication to show scale. Your official mod is calculated by your state rating bureau, not by this tool.

Email me this report

Get these numbers in your inbox, plus a plain-English read on what usually moves a mod. This opens your email app addressed to info@comp-shield.com.

Prefer a form? Send it through our contact page →

Tool 2

Primary vs. Excess Claim Analyzer

Experience rating splits every claim into primary dollars (the first chunk, which counts in full) and excess dollars (the rest, which counts far less). Paste your claim amounts and see the split.

Your numbers

$

New York now uses a variable split point of $1,000 to $170,000 based on your expected losses (NYCIRB Table II). Confirm yours on your mod worksheet and adjust here if needed.

The split

$0
Total incurred
$0
Primary dollars
$0
Excess dollars
0%
Share that is primary
ClaimIncurredPrimaryExcess
Why this matters. Under New York's current experience rating plan, primary losses carry full weight in your mod. That is why five $15,000 claims usually hurt your mod more than one $75,000 claim. Small, frequent claims are the leak to close first.

Email me this report

Get this breakdown in your inbox. This opens your email app addressed to info@comp-shield.com.

Prefer a form? Send it through our contact page →

Tool 3

Loss Run Red-Flag Analyzer

Paste your loss run as CSV and get an instant read: totals, reporting speed, stale reserves, and the claims that deserve a second look.

Paste your loss run

CSV with headers: claim_number, date_of_injury, date_reported, paid, reserved, status. Dollar signs, commas, and quotes are fine.

What your loss run says

Your results will appear here.

Educational estimate only. Flags are starting points for review, not conclusions. A late-reported claim is not a denied claim, and a big reserve is not a wrong reserve. They are the ones worth asking about.

Email me this report

Get this analysis in your inbox. This opens your email app addressed to info@comp-shield.com.

Prefer a form? Send it through our contact page →

Numbers are a start. Judgment closes claims.

These tools show you where to look. A free 15-minute workers' comp cost review shows you what to do about it: late reporting, stagnant reserves, missed recovery, and the weak spots in your program. No obligation.

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