Home ⏵ Glossary Terms ⏵ EXPERIENCE MODIFIER (A.K.A. ‘X-MOD’ OR ‘EMR’)

EXPERIENCE MODIFIER (A.K.A. ‘X-MOD’ OR ‘EMR’)

A rating factor used to compare an insured’s claim and payroll history against other employers with similar operations. Used to adjust the premium for an applicant positively or negatively.

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EXPERIENCE MODIFIER (A.K.A. ‘X-MOD’ OR ‘EMR’)

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