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.

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