Exceptional Safety Record

Due to Cole Roofings exceptional safety record, they have received a very low, and very rare .46 Experience Modification Factor(EMR).   In the United States insurance industry, an experience modifier or experience modification is an adjustment of an employer’s premium for worker’s compensation coverage, based on the losses the insurer has experienced from that employer.  An insurance expert congratulated Cole Roofing saying, “To have an EMR at such low levels in your industry is almost unheard of”.