What Is Workers’ Compensation Insurance? Simple Explanation for Employers & Employees
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YouTubeOnepoint Insurance Agency
What Is Workers’ Compensation Insurance? Simple Explanation for Employers & Employees
One workplace accident could change everything—for your employee and your business. You hired a great team because you care about your employees. But what happens if one of them is injured while doing their job? A fall. A back injury. A delivery accident. An unexpected workplace incident. Medical bills and lost wages can add up quickly. That ...
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EMR stands for Experience Modification Rate. It’s a number insurance companies use to measure how safe your company is compared to other companies in your industry. An EMR of 1.0 means you’re average. Below 1.0 means you’re safer than average (lower insurance premiums). Above 1.0 means you’ve had more injuries or claims than average (higher premiums). The more incidents, claims, and lost-time injuries a company has, the higher their EMR goes — and the more they pay for workers’ comp insurance. A
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