Free tool
EMR Cost & Bid Check
What is your experience mod actually costing you, and does it clear the threshold your GC sets?
Estimated cost of your mod above 1.00
per year, for each year it stays in your rating
Bid eligibility at your threshold
Points above 1.00
Cost per point, per year
Over a 3-year rating window
Points to clear your threshold
Estimate only. Your mod multiplies your manual premium; actual premium also depends on schedule credits, state rules, and your carrier. This is not a projection of what your mod will be.
Want to know if that number is right?
Most contractors have never had their worksheet compared to their loss runs and payroll. Errors are common and they only ever cost you.
What this shows
Your EMR multiplies your workers' comp premium. A 1.08 means you pay 8% more than a contractor with average losses in your class codes. Because claims stay in the rating for three policy years, that 8% repeats.
It also decides whether you can bid. Enter your numbers to see both.