Optimum Safety Management / Amerisafe Group:  The extraordinary safety services and solutions you’ve been using from Optimum Safety Management will now be provided to you by Amerisafe Consulting and Safety Services, LLC (ACSS). The same great team, now with even more resources and solutions to support your mission.

An In-Depth Guide to EMR

Definitions, Calculations, and Effective Guidelines for Lowering Your Rates

Your EMR – or Experience Modification Rate – is a rate used by insurance providers to forecast the expected level of risk your business may be liable for. The higher your EMR, the higher your premiums – and vice versa. This rate is incredibly valuable in creating safety forecasts, industry comparison,s and -of course – affecting the dollar amount you spend on workers compensation premiums.

Understanding your EMR can be a difficult process. Inside this whitepaper, you’ll find a simple explanation of the 2 primary factors affecting your EMR, an explanation on the effects of your EMR and an in-depth guide to calculating EMR.

Access the Whitepaper: