Lower your Experience Modification Rate, and your workers' comp premium.

What drives your EMR up

Three things move your modifier in the wrong direction, and the first one surprises most owners:

• Claim frequency. A lot of small claims usually hurts your EMR more than one large claim, because the rating formula weights the first dollars of every claim most heavily. Many small injuries quietly do more damage than a single serious one.
• Poorly managed claims. A claim that drags on, with no return-to-work plan and slow reporting, costs far more than it should, and every extra dollar lands in your mod for three years.
• Questionable or fraudulent injury claims. Claims that should have been disputed, but weren't, inflate your losses and your rate. Catching and contesting them is part of controlling the number.

How we lower it

EMR reduction is a program, not a one-time fix. Here is the work:

1. Review your loss runs and mod worksheet. We read the actual claims data driving your current rate, so we're fixing causes, not guessing.
2. Fix the safety gaps causing the claims. The injuries feeding your mod come from real, findable hazards. We close them.
3. Tighten claims and return-to-work handling. Fast reporting and a return-to-work program keep individual claims from ballooning.
4. Improve field reporting. Better data in means fewer surprises and a cleaner claims picture, which is where the app comes in.
5. Monitor the rate every policy year. Because the EMR runs on about three years of history, we track it through each renewal so the gains compound instead of slipping.

What it's worth

Your EMR multiplies your premium, so the math is direct. If your base premium is $200,000 and your mod is 1.25, you pay about $250,000. Bring it to 1.0 and you pay about $200,000, the same coverage for $50,000 less in a single year. Run the numbers for your own business below.