Experience Modifier (EMR / Mod)
Definition. Experience Modifier is your Workers Comp claims-history multiplier. 1.00 is industry average. Below 1.00 = discount. Above 1.00 = surcharge.
Also known as: EMR, Mod, X-Mod, Experience Mod
Built from 3 years of claims data. EMR can swing premium 30%+ in either direction. Lost-time claims weigh heavier than medical-only claims. Most businesses with sustained safety + return-to-work programs can achieve 0.85-0.90 EMR.
Example
Business with $50K base WC premium and EMR 0.85 pays $42,500. With EMR 1.20 (worse history) pays $60,000. Same business, $17,500 swing.
Sources cited
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Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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