As contractors continue to be judged by an Experience Modification Rate (EMR) rating, we need to understand why it is so important in the environmental industry. The EMR is a term used in the insurance business – specifically in workers’ compensation insurance – to describe the adjustment of an ... Read More

The experience modification rate (EMR) is a rating that insurance companies provide for regulatory agencies to evaluate safety standards in the workplace. However, relying on lag time indicators such as EMR ratings often does not give the entire picture. Leading indicators, or how companies are ... Read More

The Experience Modification Rate (EMR) is a term used in the insurance business – specifically in workers’ compensation insurance – to describe the adjustment of an annual premium based on the cost of past injuries and the probability of future risk. EMR ratings can have a major impact on a ... Read More