PA Workers Comp Calculator
Comparison · PA Workers' Comp 2026
EMR 0.85 vs. 1.15 — Premium Cost Comparison for PA Employers
The experience modifier (EMR) is the single most powerful lever on your workers' comp premium. The difference between a 0.85 and 1.15 EMR is a 35% swing in your premium — and that difference compounds every year you carry the higher rate.
EMR 0.85 vs. EMR 1.15 — Feature Comparison
| Feature | EMR 0.85 | EMR 1.15 |
|---|---|---|
| Premium modifier | −15% | +15% |
| Net swing vs. 1.00 | −15% | +15% |
| Total swing (0.85 vs 1.15) | 35% less than 1.15 | 35% more than 0.85 |
| $100K manual premium cost | ~$85,000 | ~$115,000 |
| $250K manual premium cost | ~$212,500 | ~$287,500 |
| $500K manual premium cost | ~$425,000 | ~$575,000 |
| Carrier market access | Full voluntary market | Limited, possible SWIF |
Bottom Line
The financial case for safety investment is clear: moving from a 1.15 to a 0.85 EMR saves 35% of your modified premium — permanently, year over year, for as long as you maintain the improvement. On a $250,000 manual premium, that's $75,000 in annual savings. Most safety programs pay for themselves in 1–2 years when framed against the EMR impact.
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Frequently Asked Questions
How quickly can I lower my EMR in Pennsylvania?
The EMR uses 3 years of claims history (the 3 years ending 1 year before your policy period). Improvements in claims frequency and severity show up gradually over 3 years. A dramatic improvement in Year 1 will be fully reflected in the EMR in roughly 4–5 years. Return-to-work programs and proactive claims management are the fastest levers.
What EMR makes it hard to get private market workers' comp in PA?
Most voluntary market carriers become uncomfortable at EMRs above 1.25–1.30. At 1.50+, you may find only SWIF or the assigned risk plan will accept your business. Construction companies often face tighter thresholds — some carriers won't quote above 1.15 for certain contractor classes.
Does PCRB calculate my EMR automatically?
Yes. The PCRB calculates experience modifiers for all eligible PA employers automatically using data reported by your insurers. You (or your broker) can request your current EMR worksheet from the PCRB to understand exactly what's driving your number.
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