TTL Associates Announces Low Experience Modification Rates This Year


TTL Associates is Proud to Announce our Experience Modification Rates (EMRs), are at .53 this year. EMRs are provided by insurance companies and used by the Occupational Health & Safety Administration to evaluate safety standards in the workplace.

In order to determine this number, The National Council of Compensation Insurance (NCCI), first determines the national average of an industry.  They determine this average by information like payroll, losses or claims (both frequency and severity), risks of the industry, and much more based over a three to four-year time frame.  When NCCI is looking at an industry, the comparisons are always done with like industries and the national average for most companies is an EMR of 1.0.

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