We are proud to announce that Shoffner's EMR for the year is now a .65.The average experience modification rate (EMR) is 1.00 and simply means that a company has average workers’ compensation losses for their industry and will pay 100% of the annual premium that is set by their state. A company with a higher EMR means that company has experienced higher than average claims. A company with a lower EMR pays less than 100% and has had lower than average claims. This is a great accomplishment and proof that safety pays!