We enter into the Work Comp Table all rates that have been modified. For example, if the Carpentry rate is $18 per 100 and your modification factor is 1.04, $18 x 1.04 = $18.72 so we enter $18.72 per 100 as the rate in the Work Comp Table for Carpentry. You could also ask your insurance agent to calculate the effective rate for each classification. I say to ask the agent simply because some policies have more factors than just an experience modification factor and the calculations are more complicated in these cases.