Mold- Asbestos- Lead Testing & Inspection
Westech Environmental LLC
Local Area 916-392-2006 / Bay Area 415-913-0819
Toll Free 1-866-931-2006
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Residential Asbestos Survey as low as $275
Commercial Asbestos Building Survey as low as $475
Indoor Air Quality (IAQ) in homes
(Click the house below to take a tour of the IAQ home)
What is your Company's Experience Modification Rate?
Business owners were asked if they knew what their Experience Modification Rating was and the answer was either they knew it or they had no clue what the rate was for their company. So here are several questions we are going to explore with regards to Experience Modification Rates (EMR). What is an EMR? Why is it important to know? How can the rate be lowered?
What is an EMR?
It is a number that is used for several purposes. Most importantly, it is used by insurance carriers to determine past and future risks. The lower the EMR, the better the Workers Compensation premium. The higher the EMR, then the workers compensation premium is going to be higher.
Why is it important to know?
EMR is like our credit history. It follows the company everywhere it goes. If a company is with XYZ Insurance Company, for example, the loss run or loss history will stay with XYZ Insurance. If the company chooses to leave the insurance carrier and go to another insurance company, the EMR will be reviewed to help determine the premium.
EMR's have also been used when dealing with government contracts. When a contractor puts in a bid, often times, they are asked about their EMR, and OSHA violations. Contractor have lost bid bid because their EMR was high. Do not let this be you!
How can the rate be lowered?
Good news is the rate can be lowered, but the bad news is it will take time. How much time? Approximately three to four years of time. The rate is lowered when a company does not experience losses or injuries. In order to prevent losses and or injuries, a company going to need a safety program, conduct regular safety meetings, and keep on top of their safety game. Companies needs to be realistic, and understand injuries do happen. The idea is to lower the frequency and severity of the injuries.
What we do?
We helps companies with the development of a safety programs, conducting safety meetings, and getting out to job site to determine how the employees are working in a safe manner and are they following the safety program. Safety consulting, education and training does not have to be expensive. It has to be effective! Companies have to spend money on safety in order to save on the indirect and direct costs of Workers Compensation premiums and OSHA violations.
What is it worth to you and your company?
(Air Quality Management Districts)
California Local Air District Directory
Most of Califonia's local air districts have a website and all have e-mail. If you are interesred in accessing a local air district website, you can go to the directory below or see the California map of local air district webistes which also displays the boundaries for each district. If you are interested in stationary source rules for the district listed below, please see our district rules database. If you know the Zip code or city name, but do now the associated local air district please go to our district look-up database.
For more information, please see the California Air pollution Control Officers Association (CAPCOA) website.