Resource Hub
Insurance & EMR
Your experience modification rate is a multiplier on every premium dollar and, increasingly, a gate on which contracts you can bid. This hub explains how the number is built, what moves it, and how to read the documents that drive it.
Articles in this hub
ExplainerGeneral
How Your EMR Is Actually Calculated
A plain-English breakdown of the experience modification rate: the three-year window, primary vs. excess losses, why frequency hurts more than severity, and how to move the number.
9 min readReadGuideGeneral
Five Safety Investments That Actually Lower Premiums
The specific, ROI-framed investments that underwriters credit and that measurably reduce claim frequency and severity.
7 min readReadChecklistGeneral
How to Read Your Loss Runs
A document-literacy walkthrough of the loss run: what each column means, which numbers you can influence, and the four questions to bring to your carrier.
6 min readRead