Experience Modification Rate numbers (EMR) have a 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. An EMR of 1.0 is considered the industry average. If your business has an EMR greater than 1.0 the reason is simple. There has been a worker compensation claim that your insurance provider has paid. To mitigate the insurance company’s risk, your worker compensation premium is raised.