Experience Modification Rating
List
Experience Modification Rating (EMR) measures worker compensation claims. Maintained exclusively by the insurance industry, EMR is the objective measurement of each employer’s claims experience. The published manual rate for each state is multiplied by the employer’s EMR to determine the premium rate paid by the employer. An EMR below 1.00 indicates that the employer will pay premiums below the manual rate.
As a result of Brandenburg’s exceptional safety program Brandenburg has maintained a long history of exceptionally low EMRs. Brandenburg’s EMR rating sheets are reproduced for your consideration.
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