What I Just Learned About Insurance Mods – And Why It Matters for Restaurants and Bars

I recently attended a restaurant and bar show to talk about floor safety, and while I was there, I had a great conversation with an insurance rep that really opened my eyes. He said something that stuck with me: “A lot of places don’t realize how much a high insurance mod can cost them until it’s too late.”

That got me curious. What’s an insurance mod?

As a newer business owner, I’ll admit I should have known this already. But I’m still learning, and I’m okay with that. After doing some research, I found out that “mod” stands for Experience Modification Rate (EMR). It’s a number insurance companies use to measure how risky your business is when it comes to workplace injuries, especially slips and falls. A mod of 1.0 is considered average. Anything higher means your business has had more claims than expected, which leads to higher workers’ comp insurance premiums.

For restaurants and bars, where wet floors, greasy kitchens, and fast-paced service are everyday challenges, it doesn’t take much for an accident to happen. Even one injury can drive up your mod and increase your insurance costs significantly.

That’s where Non-Slip Solutions LLC can help. We specialize in preventing slips before they happen by treating floors with Sure Step, an invisible and long-lasting non-slip solution that improves traction on tile, quarry, porcelain, and other common surfaces. There are no coatings, no ugly mats, and no harsh etching—just real, measurable grip that helps keep staff and customers safer.

Preventing even a single slip could mean avoiding a costly claim and keeping your mod under control.

I didn’t walk into that show expecting to learn about insurance mods, but I’m glad I did. It gave me an even deeper understanding of how our work impacts not only safety but also the financial health of the businesses we serve.

If you run a busy kitchen, bar, or dining space, I’d love to connect. A simple floor treatment today can help prevent major problems tomorrow.