Improve Your Experience Modification Rate

Also known as the EMR or Experience Modification Rate, you’ll find the purpose of conducting an independent review of the Mod Factor or EMR is to verify its accuracy! The process followed and the multiple factors used in the production of a final mod is complicated and quite often errors and mistakes are discovered. Most business owners are unaware of the serious impact on their workers compensation insurance premium that a miscalculated EMR or mod factor can create. These factors may also effect more than the premium being paid. Many times this factor is used by government agencies or others to judge how effective a business conducts its affairs. A poor mod can be a factor in bidding situations where a maximum mod factor is set in the bid specs thus keeping some from bidding on jobs if their experience mod exceeds the maximum established.


Your Experience Modification Review will include:


  1. Independent research and verification of your experience mod factor
  2. A written report detailing our findings including our opinion of the accuracy of your current EMOD 
  3. Verification of payroll used in the calculation of your experience modification factor 
  4. Verification of loss claim data used 
  5. Verification of timely reporting of data to the rating authority by the insurance company


We will review details of current factor items and may include: 

  1. Review of D Ratio and ELR or Expected Loss Ratio
  2. Actual Incurred and Primary Losses 
  3. Expected Losses and Primary Losses 
  4. ERP, Experience Rating Period

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