If a business's experience modification factor (often referred to as an experience mod or Ex-Mod or EMR) is over 1.0, it indicates that the business has had a higher-than-average number of claims or more severe losses compared to other businesses in its industry. This can lead to higher workers' compensation insurance premiums. Here's what a business should do in this situation:

​Welcome to our new insurance agency blog!
 
This is our very first post. We're not quite sure what we're going to write about here, but the plan is to create helpful content for customers and prospective clients about information that is relevant to you.
 
We hope you'll come to view this as a top resource for keeping your family and your finances safe.
 
Here are a few of the topics we may be writing about:

• Answers to clients' frequently asked questions.
• Helpful information about insurance shopping.
• Safety and Health Tips and Ideas.
• Local Community Information.

 
Stay Tuned!