Insurance term
Experience Modification Rate (EMR)
A factor used in workers’ compensation that compares your business’s claim history to others in your industry. A lower EMR means fewer claims and can lower your premium; a higher EMR raises it.
Example
A contractor with few workplace injuries can earn an EMR below 1.0, lowering their workers’ comp cost.
Related coverage
Workers Compensation
Mandatory coverage for workplace injuries and occupational illness.
Related terms
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