eBacon

Your **Experience Modification Rate (EMOD/EMR)** directly affects what you pay for workers’ comp, and even one incident or documentation slip can inflate your premiums for years. The good news is that when safety practices, training records, and payroll documentation all line up, contractors can actively improve their EMOD trajectory over the next **12–24 months**.

Join us for a partner panel with experts from **Brown & Brown**, **KPA**, and **eBacon** as we break down exactly how EMOD is calculated, the claim and reporting issues that drive it up, and the proven actions construction teams can take this year to strengthen their documentation, defend claims, and reduce long-term workers’ comp costs.

### **What we’ll cover:**

*   **What EMOD/EMR actually is** (in simple terms) and how it influences your workers’ comp premiums.
*   **What drives EMOD increases** — including the most common claims, incidents, and reporting mistakes.
*   How **safety programs, training, and digital recordkeeping** directly affect the “actual losses” part of the formula.
*   How **payroll accuracy, time tracking, and audit-ready documentation** help prevent errors, defend claims, and reduce long-term risk
*   **Practical steps contractors can take right now** to set themselves up for a better EMOD at renewal.
*   Expert answers from Brown & Brown, KPA Safety, and eBacon on where to start if this all feels overwhelming.

### **Who should attend:**

Construction owners, payroll and accounting managers, safety managers, HR teams, and anyone responsible for insurance, risk management, or workers’ comp costs.

### **Why this matters:**

Your EMOD is one of the few cost drivers you can actually influence, and the right combination of **safety practices + payroll documentation + audit readiness** can lead to fewer claims, stronger defenses, and lower long-term comp premiums.
