The Experience Mod, also known as the experience modification factor, experience mod, x mod, and EMR, is the number that represents a company’s likelihood to have future injuries. It considers the company size and industry. In other words, it is your company’s safety score regarding your workers’ compensation insurance coverage. Expected Losses and Actual Losses […]
What is the Experience Mod? Read More »
Many hazards that can lead to worker injury can be found in the construction industry. In addition to the safety hazards that are encountered year-round, and winter brings its own set of challenges and hazards. During the winter, construction workers are often exposed to extreme cold and high winds, as well as snow and ice
PREVENTING WINTERTIME SLIPS, TRIPS AND FALLS IN CONSTRUCTION Read More »
Despite its strengths, the market navigates through several challenges. Inflationary pressures, particularly in medical and wage sectors, are slowing the rise in claims costs but remain a concern
2024 WORKERS’ COMPENSATION INSURANCE MARKET OUTLOOK Read More »