Monroe Roadways received its most recent Experience Modification Rate (EMR) from local insurance agent, Rose & Kiernan, Inc. With an EMR of .81, and the average being 1, Monroe Roadways ranks among some of the best in the industry. Used as an indicator of a company's commitment to safety and overall management competence, this low EMR shows that safety is not only a commitment, but rather a core value of Monroe Roadways. "It is very evident that Monroe Roadway's pledge to safety starts with its employees. This, as you know, is critical to the success of any safety program. Employee actions and focus on safety, shows our company's overall commitment," said Monroe Roadways president, Jeff Taylor. "Our exceptionally low EMR translates to savings for our customers." To judge a company's commitment to safety and its overall management expertise, an indicator originally developed in the insurance industry to calculate policy premiums is used. Insurance companies refer to this competence indicator as the experience modification rate (EMR). The EMR is a relatively straightforward computation that compares a company's annual losses in insurance claims against its policy premiums over a three-year period, excluding the most current year. Experience Modification Rate (EMR) has strong impact upon a business. It is a number used by insurance companies to gauge both past cost of injuries and future chances of risk. The lower the EMR of your business, the lower your worker compensation insurance premiums will be. An EMR of 1.0 is considered the industry average.