Premium Savings Estimator

What Could a Lower Mod Save You?

An EMR of 1.00 is the industry average. If your mod is above that, you're paying more than a typical contractor for the same work. See what bringing your mod in line with the average could mean for your bottom line.

Select Your Primary Trade

Annual Payroll

Current EMR (typical 0.85 – 1.50)

This tool provides rough estimates for illustrative purposes only and does not constitute a premium quote, financial advice, or a guarantee of savings. Actual workers' compensation premiums are determined by your insurance carrier based on audited payroll, classification, filed rates, schedule credits, deductibles, and other underwriting factors. Your experience modification rate is calculated by NCCI (or your state rating bureau) based on your actual loss history. Results should not be relied upon for business or financial decisions.
© 2026 The Orson Group