Illustrative loss ratio (EMR-style)

Owners and safety leads track workers' comp experience alongside TRIR/DART. Model three years of payroll and incurred losses against an adjustable ELR benchmark — a planning index only; your bureau publishes the official modification factor.

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Illustrative loss ratio (EMR-style)
Enter three policy years of payroll and total incurred workers' comp losses (indemnity + medical, rounded). This compares losses to an ELR-based expected loss benchmark — a directional index, not your bureau-filed experience modification.

Official EMRs are calculated by your state rating bureau or carrier using promulgated rules (split points, injury limiting, credibility, payroll exclusions). Consult your NCCI rep, broker, or state filing for binding numbers — use this tool only for directional planning.

Carriers publish ELRs by classification. Oilfield support classifications often land roughly $2–$4 per $100 — adjust to match your loss-cost worksheet.

Experience period (Year 1 = oldest, Year 3 = most recent)

Year 1 (oldest)
Year 2
Year 3 (most recent)

BasinCheck does not file mods or guarantee underwriting outcomes. Pair this estimate with carrier loss runs and statutory exclusions (exempt payroll, catastrophe codes, etc.).

EMR estimator FAQ

Workers' compensation experience modification

The Experience Modification Rate compares your actual workers' compensation losses to expected losses for similar businesses. A mod below 1.0 generally earns a premium credit; above 1.0 usually means a debit. Operators often use EMR as a gate for bidding.

Related: TRIR calculator · DART calculator · ISNetworld simulator · Incident tracking