CHST Worksite Audit Practice Test 2026 - Free CHST Practice Questions and Study Guide

EMR, or Experience Modification Rating, is used to adjust workers’ compensation premiums based on a business’s actual claims history compared to similar employers. The idea is to set fair, equitable premiums that reflect the employer’s risk level: a company with higher or costlier claims will see a higher EMR and premium, while a safer, lower-claims company will pay less. This system encourages safety improvements and ties cost to real performance rather than a flat rate.

It isn’t about setting tax rates, evaluating marketing effectiveness, or measuring product quality, so those areas aren’t addressed by EMR.