EMR (Experience Modification Rate) is one of the most important factors for contractor sin USA when obtaining insurance. EMR is an indicator showing the safety performance of the company, which greatly affects the premiums that the construction company must pay.

This means, having a properly functioning safety process and taking proper measures to ensure a safe working environment, may cost a little but this not only protects the workers, but it also pays itself off in the long run, by helping the companies premiums to be lower.

Some federal or state projects might have very strict limits for the EMR rates, and therefore, the companies with good EMR may have an edge in winning contracts.