Your EMR Just Went Up.
$130K Per Year. For Three Years.
Your workers' comp renewal arrives. Mod rate jumped from 0.92 to 1.18. That's $130K more this year. And next year. And the year after. Three years of pain from incidents you could have documented, claims you could have filed on time, and safety programs you could have proven you ran.
The Cost of Inaction
Every undocumented incident compounds for 3 years. Here's what a 0.26 EMR increase actually costs.
Year 1 Premium Increase
$130,000EMR jumped from 0.92 to 1.18 — 28% surcharge on base premium
Year 2 Premium Increase
$130,000Same mod rate still applies — NCCI lookback hasn't expired
Year 3 Premium Increase
$130,000Third year of inflated premiums before incidents age out
Lost Bid Opportunities
$500K+GCs with EMR above 1.0 are disqualified from most public and institutional bids
The Return on POD
Documented safety programs don't just prevent incidents. They reduce your insurance costs, qualify you for bids, and pay for themselves many times over.
31% Fewer Incidents
-31%Daily hazard documentation and near-miss tracking catch problems before they become claims.
EMR Recovery to 0.78
0.78Documented safety programs, proper claim management, and early intervention reduce your mod rate below industry average.
$0 Excess Premium
$0With EMR at 0.78, you pay less than the industry base rate. Your competitors with 1.18 subsidize your discount.
Bid Qualification Restored
100%Sub-1.0 EMR qualifies you for every bid. Owners and public agencies require EMR documentation — POD produces it instantly.
Two Paths: Spiral Down or Climb Back
Without documentation, every incident pushes your EMR higher for 3 years. With POD, documented safety programs pull your mod rate below industry average.
POD Safety Intelligence
Every safety activity documented automatically. Every EMR factor tracked in real time. Every dollar of premium impact calculated.
Premium Protection — Your Mod Rate Controlled by Documentation, Not Luck
These KPIs auto-populate from daily field data. Your safety director sees the premium impact of every incident in real time.
Workers' Compensation
Safety Investment Return
PODBuilt to Lower Your Insurance Costs
Every feature is designed to document safety, reduce incidents, and prove your programs work — to carriers, to owners, and to OSHA.
EMR Trend Forecasting
POD models your EMR trajectory based on current incidents, open claims, and the 3-year lookback window. See where your mod rate is heading before the renewal.
Claim Documentation Package
When an incident occurs, POD generates a complete documentation package: daily reports, safety observations, training records, and inspection logs from the preceding 90 days.
Safety Program Proof
Every toolbox talk, every safety observation, every near-miss report is timestamped and stored. When your carrier asks for safety program documentation, produce it in minutes.
Carrier-Specific Discounts
Many carriers offer 5-15% premium discounts for documented safety programs. POD generates the reports carriers need to qualify you for maximum discounts.
Cost-Per-Incident Tracking
POD calculates the full cost of each incident: direct costs, indirect costs, premium impact, and 3-year EMR effect. Know the true cost before it hits your renewal.
Competitive Benchmarking
Compare your EMR and incident rates against industry averages and regional competitors. Know exactly where you stand — and what it takes to win bids on safety record.
Frequently Asked Questions
Your Competitors Have a 0.78 EMR. They're Winning Your Bids.
Every undocumented incident costs you for 3 years. Every documented safety activity lowers your mod rate. Start documenting everything today.