cost · Free · Open Source · MIT

EMR Calculator

Workers Compensation Experience Modification Rate. Based on NCCI / State Workers Comp Bureau. Results shown with the full formula so you can verify. Zero signup, zero tracking, zero data sent to a server — all calculation is client-side.

Inputs
Experience Modification Rate
0.75
× baseline premium
Band: excellent · 25.0% vs baseline
Raw JSON result
{
  "emr": 0.75,
  "savingsVsBaseline": "25.0%",
  "band": "excellent"
}
Overview

About the EMR Calculator

EMR (Experience Modification Rate) is a multiplier applied to workers compensation insurance premiums based on your claims history vs expected losses. 1.0 is industry baseline. Below 1.0 saves money; above 1.0 costs more. Below 0.75 is typically required for Tier-1 US contractor prequalification (ExxonMobil, Chevron, Bechtel, Fluor, Kiewit).

Calculated by NCCI or your state workers comp bureau using a 3-year experience period ending 1 year before the current policy year. An EMR swing of 0.20 on a $5M/year premium = $1M difference.

Formula
EMR = Actual Losses ÷ Expected Losses
Regulation

NCCI / State Workers Comp Bureau

How to use

Step-by-step: using the EMR Calculator

  1. 1
    Look up Actual Losses from your workers comp loss runs.
  2. 2
    Get Expected Losses from your NCCI rate sheet.
  3. 3
    Divide.
Worked examples

EMR Calculator — real-world examples

Contractor with $150K actual vs $200K expected

EMR = 0.75. Excellent — 25% below baseline. Discounts workers comp premium by roughly 25%.

Who uses this calculator

Used by safety professionals worldwide

Watch out for

Common mistakes when calculating emr calculator

FAQ

Frequently asked questions

What is a good EMR?+

Below 1.0 is good. Below 0.75 is excellent. Most Tier-1 US prequalification requires ≤ 1.0; preferred tier ≤ 0.9.

Regulation citations

Authoritative sources

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Free for any website, blog, or course — MIT / CC BY 4.0. Attribution stays visible.

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