Experience Modification Rate

TRIR vs EMR (Total Recordable Injury Rate vs Experience Modification Rate)

The Total Recordable Injury Rate (TRIR) and the Experience Modification Rate (EMR) are both critical employer safety metrics. Both the...

NCCI And Artificially Low Experience Modification Rates

"Buying down" experience modification rates is an issue about which NCCI has been trying to educate people.

Reduce Your Next NCCI Experience Mod: Reserve Auditing

There is a good reason why I send this reminder at the beginning of the year which I'll explain. But, first, in case you're not familiar...

3 Simple Ways To Reduce Your Experience Modification Factor

There are 3 simple ways to reduce your Experience Modification Factor. Simple in the sense that they are all services for which you...

Part 2: Use And Misuse Of Experience Mods As Qualifiers For New Business

As I wrote in "Part 1," I read an article on this subject that I thought was very interesting. I thought, here, I would add my thoughts...

Use And Misuse Of Experience Mods As Qualifiers For New Business

I read another article this week suggesting the use of Experience Modification Rates as qualifiers for new business. So, I thought to...

Don't Overlook Your Experience Modification Factor In Your Due Diligence Analysis

Twice in the last year I’ve worked with clients who came to me with similar experience rating problems involving the sale of a...

Claim Frequency And Your Experience Modification Factor

Experience Modification Rate: Frequency vs Severity Which of the following scenarios would you think hurts your NCCI Experience Mod the...

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