Improving Workers Comp EMR for Work Safety Investment ROI. How to Calculate EMR. TMA Trucks for Sale across the country.
Innovative Access Solutions, LLC, producers of Trucker Trailer Access Equipment

How to Lower Workers Compensation EMR

At the beginning of each fiscal year, your insurance agency will provide you with your Experience Modification Rate, or EMR.  This value serves as a multiplier to calculate your annual workers' compensation insurance premium. EMR may lower or raise your premiums based on the history of safety and injury claims that your company exhibited over a three year period.  It is also the most direct method of calculating a return on investment on work safety investments.  By implementing practices that lower your injury loss rate, business can save tens of thousands of dollars annually on premium reductions.

The most direct way to lower your EMR is to institute a Work Safety policy that is supported and promoted throughout the organization.  Here are some additional ideas to support Work Safety programs from real world companies.
  • Developing a Safety committee to assess and improve communication about safety policy and value
  • Creating a Return to Work Policy to encourage workers to return when able and reduce the length of claims
  • Initiate Job Classification reviews to communicate job responsibilities to employees and improve expertise
  • Implement strategies to generate a Safety Culture including Management Involvement, Incentive Plans, and Injury Claim packets with helpful information
In support of work safety policy, effective management of equipment can further help reduce injuries and lower EMR.  Ensure that equipment is operating properly and develop an Out of Service policy to inform team members how to handle malfunctioning equipment.  Conduct work hazard analyses to identify equipment to reduce injury risk.  And remember that each work site is unique, and the value of input from employees operating equipment is highly valuable when developing policy.

Mobile Flatbed Work Platform

Mobile Flatbed Work Platform
The IAS Flatbed Work Platforms provides a safe work area for inventory counts, tie down, stationary trailers and more.  Standard at 4' or 8', the platform features stake rack mounting hooks, slip resistant tread, a modular safety rail, and ANSI rated weight support.  Contact IAS at (800) 388-6884 for more information or to place an order.
Safety & Numbers Blog

How to Calculate EMR

EMR is the modifying factor that is applied to calculate your workers comp rates. Review examples and learn how it can be lowered to improve cash flow.  [Read More]
Browse Trucker Ladders in the IAS Web Store

Trucking Safety Equipment

Trucker ladders provide safety features including 3 points of contact, slip resistant tread, and ANSI rated weight support.  View Trucker ladder applications for flatbed trailers, drop deck flatbeds, crane trucks, tarp trailers and more.
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TMA Trucks for Sale

TMA Trucks for Sale

Site-Safe Products, LLC provides full equipped TMA Trucks for sale across the country. Non-CDL International Trucks are equipped with Trinity MPS-350 attenuators and available for lease financing or variable term rental.  Optionas include arrowboards, stake racks, safety lighting and more. For pricing or terms contact us for more information.
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