Your business’s experience modification rating (ex-mod) directly translates to premium dollars, and risk managers and executives could benefit from a basic understanding of how ex-mods are calculated.

Workers’ compensation insurance isn’t just a legal requirement, it’s a necessary business insurance policy that could save you a lot of money if someone gets hurt on the job. Unfortunately, it’s often ...

In the construction industry, many insurance providers and general contractors look at a company’s overall safety performance when evaluating a company. One general indicator of safety performance is ...

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 their ...