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Experience Modification Rate

The EMR has strong impact upon a business. It is a number used by insurance companies to gauge both past cost of injuries and future chances of risk. The lower the EMR of your business, the lower your worker compensation insurance premiums will be.

We are very proud to announce that Adman's EMR is .59. For our industry, that is the lowest EMR that can be achieved.

Our extremely low EMR gives us an edge over our competition when bidding out work. General contractors are realizing the benefits of low EMR numbers and often prequalify companies before they even look at bids.