EMR Calculator
Experience Modification Rate Estimator (Simplified NCCI Method)
Simplified Formula:
EMR ≈ Total Actual Losses ÷ Total Expected Losses
EMR < 1.0 = better than industry average. EMR > 1.0 = worse than average. Many GCs require < 1.0 to bid.
EMR < 1.0 = better than industry average. EMR > 1.0 = worse than average. Many GCs require < 1.0 to bid.
⚠ This is a directional estimate, not your official EMR.
NCCI’s actual formula uses state-specific split points ($9,500–$38,000), proprietary D-ratios, weighting (W) factors, and ballast (B) values that are not publicly user-calculable. Your official EMR comes from your insurance broker’s NCCI worksheet. Use this tool to model loss-prevention impact and benchmark — not for compliance reporting or contract bids.
1. Estimate Expected Losses (Payroll × ELR)
2. Enter Actual Losses
Please enter valid losses and a positive expected-losses (or payroll + ELR).
Your Estimated EMR
0.00
Loss ratio (simplified)
Methodology: NCCI ABCs of Experience Rating (2025). Official EMR is calculated by NCCI or your state rating bureau (CA WCIRB, NY NYCIRB, etc.) using proprietary split points, D-ratios, W-factors, and ballast values not available to the public.
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