Free business insurance tool

Workers’ Comp & EMR Impact Calculator

Use your own payroll, rate or pre-mod premium to explore workers’ comp arithmetic and experience-mod impact. Build a renewal checklist and compare scenarios.

Inputs: Your rates and rating figures
Your result: EMR impact and a renewal checklist
Request quotes: Connect with insurance providers

About this tool

Understand the figures behind a workers’ compensation proposal. Explore payroll arithmetic or compare the effect of an experience modifier using your own documents.

Uses figures you enter. It does not calculate an official EMR, supply market rates or provide a complete policy premium.

Understand your workers’ compensation figures

Explore payroll arithmetic or see how an issued experience modifier affects the premium it applies to. Keep a worksheet for your next provider conversation.

Choose your worksheet

Payroll & rate arithmeticUse your own rate per $100 of payroll.Experience mod impactApply an issued mod and compare a scenario.

One classification, your own rate

Payroll ÷ 100 × your rate. Confirm the classification, dates and whether the rate includes adjustments. This tool does not supply class rates.

Annual payroll for this classification ($)

Digits and up to four decimal places, without commas. Maximum $1 billion.

Your rate per $100 of payroll ($)

Use your worksheet rate, not an unconfirmed loss-cost reference. Maximum $1,000.

Business details · optional for your request

These details help your request. They do not add pricing factors or establish experience-rating eligibility.

Business state

Industry

Employees

Whole number from 0 to 10,000, or leave blank.

No rate or issued modifier yet? Here is what to gather.

Ask whether your business qualifies for experience rating. Having employees does not establish eligibility, and an unknown modifier is not automatically 1.00.
If experience rated, obtain the issued experience rating worksheet and effective date. Check the business entities, classifications, payroll and loss information with your provider.
For current or previous workers’ compensation policies, request insurer loss runs for the period your provider needs, including confirmation of no reported losses where applicable. Keep employee medical records out of a general quote form.
Before renewal, compare complete rating worksheets: payroll, rates, modifier, other adjustments, minimum premiums, assessments, fees and audit terms. A modifier alone does not explain a renewal price change.

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How to Use This Tool

Use this tool to prepare for a more informed insurance conversation:

Choose the calculation

Explore a rate per $100 of payroll, or use a premium subtotal your insurer confirms is subject to experience modification.

Use figures from your documents

Keep the classification, policy period and rating basis consistent. Do not apply a modifier again if it is already included.

Review your experience modifier

For EMR impact, enter the issued modifier and choose factor or percentage format. An optional comparison holds the same premium base constant.

Prepare your next conversation

Print your figures and document checklist. You can include your self-reported worksheet with a quote request.

Frequently Asked Questions

Does this calculate my official EMR?

No. Your rating organization calculates the official experience modification under its applicable plan. This tool uses a modifier you enter to show its arithmetic effect on a defined premium subtotal.

Can I compare 1.10 with 110%?

Yes. Choose the matching input format: a factor of 1.10 equals 110%. Confirm the convention and effective date on your own worksheet before entering a value.

Does a lower modifier guarantee a lower renewal premium?

No. The same-base comparison isolates the modifier’s effect. Payroll, classifications, rates, other adjustments, fees and audit results can change the actual policy premium.

What if my business has no issued modifier?

Do not invent one or treat 1.00 as an issued rating. Ask your insurer or rating organization whether your business is eligible and what the proposal assumes. You can still use the payroll calculation without a separate modifier.

Does every state use the payroll formula?

No. Confirm the exposure units and rating basis with your insurer or state agency. The payroll mode applies only to a rate per $100 of payroll; it must not be used with hourly rates.