Workers' comp EMR, explained for contractors
No jargon without a definition. No statistics without a source.
Renewal Quote Before Your New Experience Mod
Your workers' comp renewal was quoted before the new experience mod was issued. How the bill can change when it lands, and what to check on the new worksheet.
Seasonal Payroll and Your Experience Mod
How busy season payroll and seasonal crews feed your workers' comp experience mod, and the payroll and class code lines to check before your next renewal.
Starting a New LLC and Your Experience Mod
Starting a new LLC before your January 1 renewal doesn't reset your workers' comp experience mod. Here's how NCCI's ownership rules and the ERM-14 apply.
Close Claims Before Your Mod's Valuation Date
Your workers' comp EMR prices each open claim at its reserve on one valuation date. When that date falls for January 1 and July 1 renewals, and what to review.
How Your Workers' Comp EMR Threshold Changes by Owner
Private GCs, public agencies, institutional owners, and federal work each set a different workers' comp EMR threshold. There's no single number to look up.
How to Explain a Bad Workers' Comp EMR to Your GC
When a general contractor will actually consider an explanation for a high workers' comp EMR, what a credible one contains, and a sample paragraph you can adapt.
Your Workers' Comp EMR Is Over 1.0 and a Bid Is Due
What you can actually do in the days before a bid is due when your workers' comp EMR is over the line, versus what only helps next year's rating.
What GCs Check First in a Subcontractor Prequal Package
What general contractors actually check in a subcontractor prequalification package, and why your workers' comp EMR gets screened first.
Your Workers' Comp EMR and What Your Surety Sees
How bonding companies use your workers' comp EMR, why a rising mod can shrink your bonding capacity before any GC ever sees it, and what to bring your surety agent.
The Email to Send Your Agent About a High Workers' Comp EMR
A short email template that gets your agent moving on a high workers' comp EMR, and why a vague request usually gets a vague answer back.
How to Get Your Workers' Comp EMR Rating Worksheet
Who actually holds your experience rating worksheet, what to ask for by name, and what to do when your agent takes weeks to send it.
How to Read Loss Runs Behind Your Workers' Comp EMR
What each column on a loss run report actually means, and which lines to check first if you think your workers' comp EMR is wrong.
The Unit Stat Calendar and Your Workers' Comp EMR
Which fixes revise your current workers' comp EMR and which wait for the next rating, plus the three points in your policy year worth watching.
What to Send for a Workers' Comp EMR Verification
The exact documents an EMR verification checks: your worksheet, loss runs, payroll by class code, and any ownership change, with why each one matters.
What Changes Your Workers' Comp EMR
The specific levers behind your experience mod: claim frequency vs. severity, the medical-only reduction where it applies, closing and capping claims, payroll accuracy, and ownership changes.
What is an EMR? The contractor's experience modification rate, explained
Your workers' comp EMR is a multiplier built from three years of your own claims and payroll. Here's what goes into it, why 1.0 matters, and what can be wrong with it.
Why 1.0 Is the Line for Your Contractor EMR
How GCs, owners, and public agencies use your workers' comp EMR to prequalify bidders, what the threshold actually means, and what changes above and below it.
Why an Old Claim Still Hurts Your Workers' Comp EMR
Why a claim from three policy years ago is still sitting on your experience mod worksheet, when it finally falls off, and why an open claim's reserve drives the number, not what's been paid.
Ten Worksheet Errors That Inflate Your Contractor EMR
Ten specific errors to check for on your experience rating worksheet, what each looks like, why it happens, and the one-line request that gets it fixed.
How a Workers' Comp EMR Is Calculated
The math behind your experience modification rate: the three-year window, the one-year lag, expected vs. actual losses, and why frequency hurts more than one big claim.