经验修正系数 Experience Modification Rate (EMR/Mod)

关键定义 KEY DEFINITION

Experience Modification Rate（EMR/Mod，经验 modification 率）是 Workers Comp pricing factor——compare employer loss history to industry average，mod >1.0 increase premium，<1.0 discount。Safety program 和 claim management improve mod over 3-year experience period。Contractor bidding 时 low mod 是 competitive advantage。