A company’s Experience Modification Rate (EMR) plays a significant role in Workers’ Compensation costs and job eligibility, particularly for construction and contract-driven businesses.  A lower EMR can improve access to projects, support prequalification requirements, and help control insurance costs over time. A higher EMR can increase premiums and limit opportunities with general contractors, owners, or vendors.  Waypoint Insurance Services, LLC works with clients to help them understand how Experience Modifications are calculated, how claims activity impacts future ratings, and how claims coordination and operational practices can support long-term improvement.

While Experience Modifications are determined by rating bureaus and cannot be changed retroactively, informed risk management decisions can play an important role in future results.