OSHA term · Glossary
Experience Modification Rate (EMR)
A workers' compensation insurance multiplier that adjusts an employer's premium to reflect its own claims history versus the average for its industry. An EMR of 1.0 is average; above 1.0 means worse-than-average losses and a higher premium; below 1.0 means better-than-average and a lower premium. It's set by rating bureaus (NCCI or a state bureau), not by OSHA.
Also known as: EMR, experience mod, e-mod
On this page
Experience Modification Rate (EMR) at a glance
- 1.0 = industry average; > 1.0 raises premium; < 1.0 lowers it.
- Based on the employer's past workers'-comp losses, not directly on OSHA data.
- Set by NCCI or a state rating bureau — it is an insurance metric, not an OSHA one.
- Many project owners require an EMR at or below 1.0 to bid.
In plain English
A safety “credit score” for workers'-comp insurance. 1.0 is average. Do better than your peers on injury claims and it drops below 1.0 (cheaper insurance); do worse and it climbs above 1.0 (pricier insurance — and you can lose bids).
What the source says, in summary
The experience rating modification adjusts a workers' compensation premium to reflect an individual employer's own loss experience compared with the average expected for employers in the same industry classification.
In context
An enforcement, recordkeeping, or general-duty concept under the Occupational Safety and Health Act and 29 CFR. These terms define how OSHA inspects, cites, and penalizes employers.
Example
A contractor with an EMR of 1.25 pays about 25% more in workers'-comp premium than an average peer and may be barred from projects that require an EMR ≤ 1.0. A strong safety record over three years can pull the same contractor's EMR down to 0.85, cutting premium and opening up bids.
Why it matters
The EMR turns safety directly into dollars and contract eligibility: it multiplies your premium and is a common pre-qualification gate on construction bids. Because it's driven by claim frequency and cost, reducing recordable injuries — the same cases on your 300 Log — is what moves it.
EMR vs. DART/TRIR
EMR is an insurance number based on your workers'-comp claim costs. DART and TRIR are OSHA injury-rate metrics based on your 300 Log. They're related — fewer injuries improve all three — but EMR is set by insurance rating bureaus, while DART/TRIR come from OSHA recordkeeping.
Reading an EMR
| EMR | Meaning | Effect |
|---|---|---|
| Above 1.0 | Worse than industry average | Higher premium; may lose bids |
| 1.0 | At the industry average | Baseline premium |
| Below 1.0 | Better than average | Lower premium; often bid-eligible |
Experience Modification Rate (EMR): frequently asked questions
- What is a good EMR?
- Anything below 1.0 is better than the industry average and lowers your premium. Many owners and general contractors require an EMR of 1.0 or lower to qualify to bid, so getting and staying under 1.0 is a common target.
- Is EMR an OSHA metric?
- No. EMR is a workers'-compensation insurance factor set by rating bureaus (NCCI or a state bureau). OSHA metrics like DART and TRIR come from your 300 Log. They move together, but they're calculated by different bodies.
- How do I lower my EMR?
- Reduce the frequency and cost of workers'-comp claims — the same as reducing recordable injuries: strong controls, prompt and managed claims, return-to-work programs, and consistent safety performance over the three-year rating window.
Related terms
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More OSHA terms
The action an employer takes to fix a cited violation or eliminate a hazard OSHA identified during an inspection. The citation sets an abatement date, the deadline to correct the hazard, and within 10 calendar days after that date the employer must certify to OSHA that the violation was abated. Failure to abate accrues additional penalties of up to $16,550 per day.
Area DirectorThe senior OSHA official in charge of a specific OSHA Area Office — the local unit that runs inspections and enforcement in its geographic territory. The Area Director has the authority to issue citations, propose penalties, hold informal conferences with employers, and approve settlement agreements. When a Compliance Safety and Health Officer (CSHO) completes an inspection, it's the Area Director who ultimately issues the citation.
Bureau of Labor Statistics (BLS)The federal statistical agency within the U.S. Department of Labor that collects, analyzes, and publishes data on workplace injuries, illnesses, and fatalities. BLS conducts the annual Survey of Occupational Injuries and Illnesses (SOII) — compiled from employer OSHA 300 logs — and the Census of Fatal Occupational Injuries (CFOI). SOII data drives OSHA's Site-Specific Targeting (SST) program: establishments whose DART rates significantly exceed their BLS industry average are placed on the SST inspection list.
Competent PersonUnder OSHA's construction standards, a person who is capable of identifying existing and predictable hazards in the surroundings or working conditions, and who has the authorization to take prompt corrective measures to eliminate them. The role requires both knowledge and the authority to act, and is mandated by name in many specific standards — excavations, scaffolds, fall protection, asbestos, and more.
CitationThe formal written notice OSHA issues to an employer after an inspection, describing each alleged violation, the standard cited, the proposed penalty, and the date by which the hazard must be corrected (abated). OSHA must issue a citation with reasonable promptness and no later than six months after the violation occurred.
Closing ConferenceThe meeting at the end of an OSHA inspection where the compliance officer confers with the employer and informally advises them of any apparent violations found. Importantly, the closing conference discusses what was observed and the employer's rights — but it does NOT state final citations or penalties, which come later in the written Citation and Notification of Penalty.
Compliance Officer (CSHO)An OSHA Compliance Safety and Health Officer — the inspector who conducts workplace inspections. A CSHO presents credentials (a photo ID and a serial number), holds the opening conference, performs the walkaround, collects evidence, interviews employees, and recommends citations. CSHOs are either safety specialists or industrial hygienists.
ContestAn employer's formal challenge to an OSHA citation, penalty, or abatement date. To contest, the employer must file a written Notice of Contest with the OSHA Area Director within 15 working days of receiving the Citation and Notification of Penalty. Filing sends the case to the independent Occupational Safety and Health Review Commission (OSHRC); missing the deadline makes the citation a final, un-appealable order.
Sources & verification
Reviewed by HazComFast against eCFR, OSHA.gov, NIOSH, and the Federal Register. Last reviewed 2026-10-05. This glossary is general information, not legal advice; OSHA State-Plan states (e.g. California, Michigan) may adopt stricter requirements.
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