An EMR or E-Mod letter is a document that details your EMR or Experience Modification Rating. This is a rating that determines your workers’ compensation insurance premium. While an EMR rating only technically affects the price of your insurance premium, it also communicates the safety of your workplace in comparison to other companies in your industry. The average EMR rating is 1.0. Any number higher than 1 indicates a higher than average premium (and therefore higher than average rate of workplace incidents), while any number lower than 1 indicates a lower than average premium (and therefore a lower than average rate of workplace incidents).