Glossary term
What is Experience modification rate?
Short answer
An experience modification rate (EMR) is a number that raises or lowers your workers' comp cost based on your past claims compared with similar companies.
Experience modification rate, explained for tree service owners
If your crew has few injuries, your EMR can go down, and so can your workers' comp bill. If you have many claims, it can go up. Insurers and large customers sometimes ask for it before they hire you. A safer crew can save real money over time, not just feelings of pride. Good habits like tailgate talks, protective gear and training can help lower claims. Not every state uses the same system, so ask your agent how it works where you work. This is a short explanation, not insurance advice.
Related terms
- ANSI Z133
ANSI Z133 is the American national safety standard for tree care operations, such as climbing, rigging, chipping and working near power…
- Back cut
A back cut is the final cut made on the opposite side of the notch that frees the tree to fall, leaving the hinge intact.
- Chainsaw chaps
Chainsaw chaps are cut-resistant leg guards that clog a saw chain if it touches the leg, giving time to stop.
- Chipper feed rollers
Chipper feed rollers are the powered rollers at the chute that pull branches into the blades at a steady pace.
- Climbing spikes
Climbing spikes are sharp metal points strapped to a climber's boots that bite into the trunk, used mainly on trees being removed.
- Conventional notch
A conventional notch is a wedge cut with a flat bottom and a sloped top that guides a tree to fall in a set direction.
- Drop zone
A drop zone is the marked area on the ground where cut branches and wood are expected to fall, kept clear of people.
- Hinge wood
Hinge wood is the strip of uncut wood left between the notch and the back cut that steers a falling tree.
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