Estimate your Experience Modification Rate using your payroll and loss history. Understand your Workers' Comp costs before renewal.
Use your 3 most recent policy years (excluding current). Enter payroll and claims for each year.
Enter to see your estimated adjusted premium.
Disclaimer: This calculator provides an estimate only. Official EMR is determined by NCCI or your state rating bureau. Consult a licensed broker for your actual mod.
Enter payroll data to see your estimated EMR
Proven strategies to lower your mod and reduce Workers' Comp costs.
Modified duty programs can cut indemnity costs by 50%+ and significantly reduce claim severity — the biggest EMR driver.
OSHA-compliant training logs and toolbox talks demonstrate proactive risk management and reduce frequency over time.
Early reporting reduces total claim costs by up to 30%. Delayed reporting inflates reserves and raises your EMR.
Review your NCCI Unit Statistical Report annually. Errors in classification codes or payroll can unfairly inflate your mod.
A wholesale broker with construction expertise can place you with carriers who credit strong safety programs — even with a mod above 1.0.
Multiple small claims hurt your EMR more than a single large one. Target near-miss culture to eliminate frequency.