Your business’s experience modification rating (ex-mod) directly translates to premium dollars, and risk managers and executives could benefit from a basic understanding of how ex-mods are calculated.

Some contractors no doubt experienced sticker shock when their most recent workers’ compensation audit came back with a higher-than-expected Experience Modification Rate, or EMR [1], that raised their ...

In the construction industry, many insurance providers and general contractors look at a company’s overall safety performance when evaluating a company. One general indicator of safety performance is ...

CHEYENNE — The Wyoming Department of Workforce Services’ Workers’ Compensation Risk Management Team can help employers lower their Experience Modification Rating. An employer’s EMR is a direct ...