Compline is a 25-year-plus X-Mod lookup tool. Most brokers only use it for lookups because nobody wants to do all that manual data entry. XMOD is different. Upload a loss run or dec page PDF and our AI reads and enters the data for you. Layer in OSHA signals and turn quotes into web-based proposals that actually win accounts.
If you're accepted into Early Access, you get XMOD free for your first 12 months.
Built for commercial lines brokers and carriers. Powered by the HALO IQ analytics platform.
Compline was built for a different era: static X-Mod reports, dated interfaces, and limited insight. XMOD is built for how brokers and carriers work today — with real-time intelligence that supports underwriting decisions and helps you win the account.
If all you want is a basic X-Mod lookup, Compline can do that.
If you want to understand, explain, and win Workers' Comp accounts, you need XMOD.
You still need quick X-Mod lookup every day. So we started by doing that job better.
If all you used XMOD for was X-Mod lookup, it would already feel like a major upgrade.
ACME Manufacturing • Policy year 07/01/2024 – 06/30/2025
Prepared for client review • Updated 5 minutes ago
4% better than class average
Last change: -5 pts (renewal 2024)
Major driver: closed large loss from 2022
Projected range
Focus area: ergonomic exposures & near-miss reporting
Loss run intelligence
Last 5 years
1.3 claims drive over 78% of total incurred – ideal for targeted strategy discussion.
2.Noticeable cluster of strain / ergonomic claims beginning in 2022.
3.Open claim reserve adequacy should be reviewed before next unit stat filing.
X-Mod history & trend
Policy years 2020–2026
Mod has improved from 1.12 → 0.98 since 2020.
With current loss performance, projected range at next renewal is 0.92–0.96.
Story for underwriters: frequency down, severity contained, safety investments working.
Premium positioning by carrier
Carrier B offers best value given current loss pattern.
Deductible + risk engineering credits align with improving trend.
No OSHA inspections in the last 36 months.
Ergonomic-related strains increasing in assembly area.
Near-miss reporting still low – opportunity before next renewal.
Lead with Mod improvement and closure of 2022 large loss.
Highlight focused ergonomic and lift-assist program for 2025.
Position Carrier B as strategic partner with risk engineering support.
Clean, fast, client-ready
Any broker can submit an ACORD, get quotes back, and email a spreadsheet. The difference between winning and losing is how well you explain why the pricing looks the way it does and what happens next.
XMOD turns raw data into clear, client-ready intelligence.
Drop in a loss run PDF and our AI reads and extracts the data for you. No manual entry. XMOD then breaks it down: frequency vs severity patterns, claims by cause or location, and impact on Mod trajectory.
Upload dec page or quote PDFs and AI extracts the key data. Compare quotes against Mod, loss experience, and risk indicators. Generate a web-based proposal that tells the full story behind the pricing.
XMOD highlights safety red flags underwriters care about, patterns that suggest operational issues, and opportunities to address risk before the next renewal.
Across X-Mod, loss runs, quotes, and safety signals, XMOD gives each account a simple health score, clear trend direction, and key drivers to discuss at renewal.
Look up the X-Mod. Upload loss runs, comp policies, and carrier quotes. Add OSHA data where you have it. XMOD is built around the documents you already touch today.
XMOD turns that data into forecasting, claim impact views, account health scores, and safety insights — all in one place.
Instead of emailing a flat PDF, you send and present a live, web-based proposal that explains where the account stands, what's driving the pricing, and what the plan is going forward.
It's the kind of story that helps you keep and win business.
XMOD isn't another back-office system you hide. It's designed to sit in front of clients and underwriters.
Loss run analysis • 420 employees • Manufacturing
Current X-Mod
Open Claims
1 high-value claim in reserve
Total Incurred (5yr)
Paid: $298K • Reserved: $114K
Loss Ratio
Industry avg: 68%
Claims Timeline
Peak in 2022 due to single high-severity claim. Trending down since.
Risk Concentration
Department Analysis
12
claims (5yr) • $185K
7
claims (5yr) • $98K
4
claims (5yr) • $67K
2
claims (5yr) • $12K
Loss runs, claim patterns, and risk concentration analysis.
Policy period: 01/01/2025 – 12/31/2025 • Renewal date: 45 days
Current Premium
$485,240Policy year 2024
Best Quote
Experience Mod
Prior: 105
Total Payroll
$18.2M420 employees
Current Policy Breakdown
Quote Comparison
Travelers
Quote #TRV-2025-44821
$448,120
-$37,120 vs current
Hartford
Quote #HTF-2025-91234
$459,740
-$25,500 vs current
Liberty Mutual
Quote #LM-2025-55678
$468,575
-$16,665 vs current
Renewal Status
Loss runs received
Uploaded Dec 15, 2024
Experience mod verified
NCCI confirmed: 92
Payroll projections submitted
$18.2M for 2025
Client review pending
Present quotes by Jan 5
Bind selected quote
After client approval
Renewal Insights
-13 points
From 105 to 92 over 2 years. This alone saves ~$46K on manual premium.
Up to 6%
Travelers offering best credit due to safety program improvements and claims history.
+2.1%
Modest payroll increase supports rate stability across all carriers.
Premium projections, Mod impact, and renewal checklist.
A live web proposal with pricing, Mod data, and next steps.
XMOD is designed for the professionals who need X-Mod data most: licensed brokers advising clients and carrier underwriters making pricing decisions.
Advise clients with real-time X-Mod data and loss insights.
Pull X-Mods instantly for underwriting and risk assessment.
Your clients see insights through you, not through another portal.
Everything in XMOD is designed to support smarter decisions.
Under the hood, XMOD runs on the HALO IQ platform — a workforce analytics and risk intelligence system built to connect people, risk, and performance data.
You don't have to adopt the full HALO IQ platform to benefit from XMOD. But you can be confident it isn't sitting on 25-year-old technology.
XMOD focuses on Workers' Comp intelligence. HALO IQ powers the analytics engine behind it.
We're onboarding a focused group of commercial lines brokers and carrier underwriting teams into XMOD as we finalize features and workflows.
No credit card. No contract. No obligation.
We review each request to keep Early Access focused on active commercial lines brokers and carrier underwriting teams.