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 ...

Submit a Letter; Advertise; Deciphering Worker's Comp Mod Factors. By John R. Hall. May 19, 2008. Erin Richards, an account executive for Federated Insurance, spoke about worker’s comp “mod factors” ...

The proposed experience rating formula developed by the Workers' Compensation Insurance Rating Bureau (WCIRB), effective 1/1/2017, will diminish the measurability of cost savings.