Lower your Experience Modification Rate and win more bids.
What is EMR?
Your Experience Modification Rate compares your workers' comp loss history to similar contractors. An EMR above 1.0 means you cost insurers more than average — and many general contractors won't even let you bid.
How EMR Affects Bidding Opportunities
Most GCs, owners, and public works projects require a sub with an EMR below 1.0. A single bad year can lock you out of seven-figure jobs for three full rating periods.
How to Improve EMR
Aggressive claims management, return-to-work programs, classification audits, and frequency-focused safety controls move your mod faster than any rate negotiation ever will.
Return-to-Work Programs
Light-duty placements within 24-48 hours can cut a claim's cost by 60% or more — and meaningfully reduce the loss reserves driving your future EMR.
Claims Frequency vs Severity
Frequency hurts your EMR three times more than severity. Five $5,000 claims will hurt your mod far worse than one $50,000 claim. We help you target what actually moves the number.
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