Wondering if your Experience Modification Rate is good? Learn what a good EMR looks like, how it affects your premiums, and how to improve it to save on workers' comp insurance.

Sep 26, 2025 · A company’s experience modification rating is an essential factor that insurance providers consider when calculating premium costs. When a business has a lower EMR, it …

May 20, 2025 · Learn how the Experience Modification Rate (E-Mod) affects your business costs, safety culture, and bid eligibility and discover strategies to improve it for better outcomes.

Aug 26, 2025 · Learn what an Experience Modification Rate (EMR or X-Mod) is, how it’s calculated, and why it matters for workers’ compensation premiums, bidding eligibility, and safety reputation. …

May 11, 2024 · Learn how to calculate and use Experience Modification Rating (EMR) and how it fits into contractor and subcontractor prequalification.

There are two big benefits to an Experience Modification Rate (EMR). The first is that it allows your insurer to customize your insurance rate more closely to your business and your safety history.

Feb 12, 2021 · In this article, you’ll learn everything about the Experience Modification Rate (EMR). You’ll find out how it can increase or decrease your costs, how to lower your EMR, and more.

The easy answer is that any experience modification factor below 1.00 is a good rating. Since 1.00 is average, or neutral, any Emod below 1.00 means that business is performing better than average for …

Get Familiar With the ABCs of Experience Rating. View the ABCs of Experience Rating (PDF) This valuable resource offers a detailed explanation of experience rating and how it affects your workers …

Dec 30, 2024 · While you can rely on your insurer to handle the math, knowing how to calculate your experience modification rate independently can be handy. Essentially, the formula takes your …