Erm letter 2026

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An EMR or experience modification rating (also called a MOD rating or factor) is used to price workers compensation insurance premiums. Think of it like your credit score or car driving history, where third parties consider your history as an indication of future risk.
What is an acceptable experience modification rate? An EMR of 1.0 is the industry standard, with anything below considered desirable.
The ERM-14 is a confidential form completed by the insured and submitted to the NCCI for the purpose of assisting the various workers compensation bureaus to verify coverage and determine combinability of entities as it relates to premium calculation.
An EMR rating, or experience modification rating, is key in the realm of workers compensation insurance. This numerical representation serves as a benchmark, comparing a companys safety record and claims history to those of its industry peers.
If you are unsure about your current EMR rate, contact your insurance agent to find out what your rate is. Your EMR rate can also be found on the Declarations page of your companys workers compensation policy.

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ERM-6 forms are used when a risks coverage period is insured by a non-affiliate self-insurer or a. non-affiliate carrier. In order for the data to be included in an experience rating, it must be. submitted to NCCI in an approved formatthe ERM-6 form.
One key document that connects EMR data to insurance determinations is known as the EMR letter. Commonly referred to as an E-Mod letter or verification letter, it provides insurance carriers with a summary of a clients or employees claims history pulled directly from their EMR.

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