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Workers Comp Insurance Explained

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Workers Comp Insurance Explained

Workers comp insurance is a type of coverage that pays for injuries or illnesses your employees suffer as a result of their work. It protects both your team and your business by covering medical expenses, lost wages, and more. In this video, we explain how workers comp works and why it’s essential for business owners. Refine Risk is an ...

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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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