Experience Modification Rate (EMR)

Insurance

The Experience Modification Rate (EMR) is a multiplier used by insurance companies to adjust a contractor's workers' compensation premium based on their claims history compared to industry averages. An EMR below 1.0 indicates fewer claims than average (lower premiums), while above 1.0 means more claims (higher premiums). Many project owners require an EMR below 0.85 for bid eligibility.

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