An EMR letter is a document issued by your insurance company that contains your EMR or Experience Modification Rate (also referred to as an E-MOD). An EMR number that represents the cost of your past injuries and the estimation of risk related to your company. I will not go into how your EMR rate is calculated because it is extremely complicated. It may help you to understand that an EMR of 1.0 is considered to be an average rating of all companies within your industry based on BLS (Bureau of Labor Statistics). That's why it’s an issue if your EMR is over 1.0, your poor safety performance or risk is above average. Having a low EMR is not only a measure of good safety performance but can also save your company money because it is used as a multiplier when developing your insurance rates. Using simple math for an example, if your EMR is .87 and your industry's average premium is $100,000, your premium would then be $87,000. Your EMR is calculated and a new letter is issued annually and is also required to be submitted to systems like ISNetworld , Avetta, and PEC Premier on an annual basis. This task is one many covered by our Annual Account Maintenance Program.