Workers-Comp Premium and Experience Mod
Manual premium = payroll/100 x class rate, actual = manual x EMR. $500k payroll, $8/$100, EMR 0.85 -> $40,000 manual, $34,000 modified ($6.80/$100), a $6,000 credit; a bad-safety EMR 1.15 -> $46,000, a $6,000 debit. A low EMR also unlocks bid lists. The rating bureau's EMR governs.
Formula and source
manual = payroll/100 x class_rate; modified = manual x EMR; rate_per_100 = modified/payroll x 100; credit_or_debit = manual - modified.
The workers-compensation manual premium and its experience modification (EMR / e-mod), by name.
Audience
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