EMR impact calculator
Your Experience Modification Rate is set by your insurer's rating bureau, but its effect on your wallet is simple arithmetic: premium moves in direct proportion to your EMR. Enter your premium and current EMR to see what a high mod is costing you, and what lowering it is worth. Nothing you type leaves your browser.
Enter your premium and current EMR to see what it is costing you. Nothing you type leaves your browser.
This calculator applies standard NCCI experience-modification arithmetic. It is a planning aid, not legal advice, and it does not replace a competent person’s judgment on site.
EMR is an insurance rating set by your carrier and rating bureau, not an OSHA measure. Your carrier’s published figure is the one that counts.
How to actually lower your EMR
- ✓ Stop the small repeat injuries first: claim frequency hurts your EMR more than a single large claim
- ✓ Run a real written safety program and document the training, so the losses never happen
- ✓ Report and manage every claim fast, before a strain becomes a surgery
- ✓ Use return-to-work light duty so a claim stays restricted-duty instead of lost-time
- ✓ Check your rating worksheet for errors: wrong class codes and unclosed reserves inflate mods
The EMR fix starts with a safety program
Every lever that lowers your EMR runs through a written safety program: the training, the incident procedures, the return-to-work policy. We generate one specific to your trade in under 30 minutes for $149.
See the safety programTRIR calculatorDART rate calculatorHow to get on ISNetworldWritten safety program