Gulfshore Insurance > Gulfshore Blog > Experience Mod

The Occupational Safety and Health Administration (OSHA) announced Jan. 8, 2013, that at least 1,260 randomly selected workplaces will be inspected as part of the agency’s 2012 site-specific targeting (SST) program. The inspections will be conducted throughout 2013 and will focus on workplaces that have more than 20 workers and higher-than-average injury and illness rates. Read more

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Big changes are coming to the NCCI’s Workers Compensation Experience Modification Rate (EMR). Effective January 1, 2013, Florida business will see a change in the way past workers’ compensation claims impact their EMR and future premiums…. Read more

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Workers’ Compensation insurance is widely known and purchased by businesses to fulfill their statutory requirement to provide benefits to workers injured while in the scope of their employment. Everything from bug bites and cut fingers to quadriplegic and fatal accidents will be claimed under WC. However, what many business owners fail to fully understand is that there is a tracking mechanism and predictive tool that helps determine how much they will pay for their WC insurance; it’s the Experience Modification Rate (EMR). Because the NCCI (National Council on Compensation Insurance) is the governing body for almost every state in the U.S. (click here for a current map), my discussion of the EMR will focus on the NCCI’s version. … Read more

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