Get your mod right. Keep it right.
Your workers’ comp EMR affects premium and may be one requirement in a prequalification process. The project owner, general contractor, or prequalification service sets the requirements and determines eligibility. Your mod is rebuilt every year, so last year’s clean result doesn’t carry forward. Premwise checks the math against your state’s official filed numbers, and shows its work.
What Premwise actually does
Every year an insurance rating bureau sets your experience mod (EMR) — the number that multiplies your workers’ comp premium up or down. An EMR may also be one input in a project owner’s, general contractor’s, or prequalification service’s process; that third party sets the requirements and determines eligibility. Your mod is built from claims and payroll history. When that history carries an error — a claim that should have closed, misclassified payroll, or a reserve nobody updated — the resulting premium may be overstated. Premwise recalculates your EMR from your state’s official published numbers, compares it line by line to what your bureau used, and shows you exactly where the math doesn’t add up — every figure cited to its source.
Premium arithmetic and prequalification requirements are separate facts; neither is an eligibility decision.
How the check works.
You stay in control of all of it.
Authorize
Where personalized analysis is available, you sign the authorization required by the applicable rating bureau — you see the exact text before anything happens, and you may revoke future access at any time.
We check the math
Deterministic recomputation against the filed rating values for your state and date, with every extracted number cited to the page it came from and reviewed before it reaches you.
You decide
Anything worth acting on is prepared as documentation for you or your licensed broker to review, adopt, and submit. Premwise never submits anything.
Every number cites the document behind it
A finding without a citation is a hunch. Each figure points to exactly where it came from — so you, your broker, or anyone else can check the arithmetic by hand.
The values your EMR is built from are public
Split points, accident limitations and effective dates come straight from the filings — we publish the ones we’ve sourced, with provenance, for anyone to read.
Where Premwise is available
Premwise offers educational tools nationally. Personalized analysis and recovery services vary by state and are available only where our operating model and professional authority permit them.
Sign up with your state and rough annual premium, and you’ll see exactly what’s available where you are today.
Check your state and sign up