O&MM Fabricator - January/February 2018 - 45

having many small losses is seen as a sign that you'll face larger
ones in the future. And the result of that formula is your EMR.
4) California, Delaware, Michigan, New Jersey, and Pennsylvania
DO NOT allow combinable experience with other states and issue
their own EMRs.
How Does a High EMR Affect Costs?
An EMR of 1.20 would mean that insurance premiums will be
20 percent more than a company with an EMR of 1.00. That 20 percent
difference is often passed on to clients in the form of increased bids
for work. A company with a lower EMR has a competitive advantage
because they pay less for insurance.
In addition, in the state of California, Cal OSHA defines a "high hazard"
business having an EMR of 1.25 or greater. These companies are entered
into Cal OSHA's special "high hazard" unit and are charged a penalty in
addition to the cost of having the high experience modification.
The good news is that EMR CAN BE LOWERED and improved. An
effective safety program that eliminates hazards and prevents injuries
is a good starting point. Fewer, or no, injuries and claims equate to a
lower experience modification.
In the world of NOMMA, injuries will happen, but the response can
help keep EMR from increasing as much as it could without proper
management. Having a plan to manage injuries and workers compensation claims is a must to lower the EMR. Reducing EMR gives a company
an edge over competition when bidding out work and saving money.
Construction general contractors and owners are realizing the benefits
of low EMR numbers and often prequalify companies before they even
look at bids. Many NOMMA clients could not bid on certain jobs (many
large jobs) because of their high respective experience modification.
Below are a few ways to lower the number of occurrences and
severity of claims:
1) Develop a loss prevention program
2) When hiring, check employee safety and injury records
3) Ongoing monitoring of your philosophy and policy for a strong loss
prevention program is essential
4) Track losses to identify their source eliminates trends before they
become costly
5) Verify your experience mod and correct clerical, injury coding and
subrogation errors. These happen!
6) Report incidents promptly and stay in touch with injured worker
7) Get injured workers back on the job as quickly as possible, thus
reducing medical, legal, and temporary disability payments/reserves
8) Insuring prompt treatment reduces overall cost
9) Monitor open claims and analyze losses for incident repeaters and
suspected fraudulent claims
Common Errors
As always, errors do occur when calculating experience modification
and all clients should request their individual experience modification
worksheets from either their respective WC Board. Some of the common errors are:
1) Typos on claims and payrolls
2) Reserves reported improperly
3) Wrap-ups not included (Payroll)
4) Credits for recoveries and reserve reductions are not applied/
slow recovery
5) Multiple claims on one loss date

Advantages of the NOMMA
Insurance Program
* General Liability, Automobile, and Workers Compensation written with AmTrust - An admitted A XV rated Company by AM Best
* $0 deductible on the general liability, workers compensation
and automobile (Except $1,000/$1,000 comp/collision deductible) on all policies
* NO residential exclusion
* Ability to receive certificates of insurance within 3 hours of
the request via email
* Policies specifically tailored for the NOMMA members
* General liability per project with aggregate of $5,000,000
* Broad and comprehensive coverage
 Completed Operations for Additional Insureds
 General liability, workers compensation, and automobile liability waivers of subrogation (Blanket Waiver of Subrogation)
 Primary & Non-contributory endorsement
If you want additional information about the advantages of the
NOMMA Insurance Program, please contact Andrew Stergiou at
212-603-0321 (astergiou@alliant.com).
Alliant Insurance Services, Inc. is the consulting broker for the
NOMMA Insurance Program.

940-468-3335

Email us at: leah@rogers-mfg-inc.com * www.rogers-mfg-inc.com

892937_Rogers.indd 1

January/February 2018 * O&MM Fabricator
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Table of Contents for the Digital Edition of O&MM Fabricator - January/February 2018

President’s Letter
Letter From the Executive Director
NOMMA Network
NOMMA Education Foundation
2018 Metalfab / Fencetech Attendee Brochure
Three Things You Need to Know* to Save Money and Time When Commissioning Custom Metal Castings
The Collective Mind Gate Series - Part Vi
Change Orders
Women in Industry
What Experience Modifiers Do, and What You Can Do About It
How to Handle Your Toughest Employee Problem
Supplier Members
New & Returning NOMMA Members & Iron Club Members
Gold Members
Take a Stroll Down Memory Lane - Nomma’s First Years
2018 Product Preview
Index of Advertisers
O&MM Fabricator - January/February 2018 - Intro
O&MM Fabricator - January/February 2018 - cover1
O&MM Fabricator - January/February 2018 - cover2
O&MM Fabricator - January/February 2018 - 3
O&MM Fabricator - January/February 2018 - 4
O&MM Fabricator - January/February 2018 - 5
O&MM Fabricator - January/February 2018 - 6
O&MM Fabricator - January/February 2018 - 7
O&MM Fabricator - January/February 2018 - 8
O&MM Fabricator - January/February 2018 - 9
O&MM Fabricator - January/February 2018 - 10
O&MM Fabricator - January/February 2018 - President’s Letter
O&MM Fabricator - January/February 2018 - 12
O&MM Fabricator - January/February 2018 - Letter From the Executive Director
O&MM Fabricator - January/February 2018 - 14
O&MM Fabricator - January/February 2018 - NOMMA Network
O&MM Fabricator - January/February 2018 - NOMMA Education Foundation
O&MM Fabricator - January/February 2018 - 17
O&MM Fabricator - January/February 2018 - 18
O&MM Fabricator - January/February 2018 - 2018 Metalfab / Fencetech Attendee Brochure
O&MM Fabricator - January/February 2018 - 20
O&MM Fabricator - January/February 2018 - 21
O&MM Fabricator - January/February 2018 - 22
O&MM Fabricator - January/February 2018 - 23
O&MM Fabricator - January/February 2018 - 24
O&MM Fabricator - January/February 2018 - 25
O&MM Fabricator - January/February 2018 - 26
O&MM Fabricator - January/February 2018 - 27
O&MM Fabricator - January/February 2018 - 28
O&MM Fabricator - January/February 2018 - 29
O&MM Fabricator - January/February 2018 - Three Things You Need to Know* to Save Money and Time When Commissioning Custom Metal Castings
O&MM Fabricator - January/February 2018 - 31
O&MM Fabricator - January/February 2018 - 32
O&MM Fabricator - January/February 2018 - 33
O&MM Fabricator - January/February 2018 - The Collective Mind Gate Series - Part Vi
O&MM Fabricator - January/February 2018 - 35
O&MM Fabricator - January/February 2018 - 36
O&MM Fabricator - January/February 2018 - 37
O&MM Fabricator - January/February 2018 - Change Orders
O&MM Fabricator - January/February 2018 - 39
O&MM Fabricator - January/February 2018 - 40
O&MM Fabricator - January/February 2018 - 41
O&MM Fabricator - January/February 2018 - 42
O&MM Fabricator - January/February 2018 - What Experience Modifiers Do, and What You Can Do About It
O&MM Fabricator - January/February 2018 - 44
O&MM Fabricator - January/February 2018 - 45
O&MM Fabricator - January/February 2018 - 46
O&MM Fabricator - January/February 2018 - How to Handle Your Toughest Employee Problem
O&MM Fabricator - January/February 2018 - 48
O&MM Fabricator - January/February 2018 - 49
O&MM Fabricator - January/February 2018 - 50
O&MM Fabricator - January/February 2018 - 51
O&MM Fabricator - January/February 2018 - 52
O&MM Fabricator - January/February 2018 - Supplier Members
O&MM Fabricator - January/February 2018 - 54
O&MM Fabricator - January/February 2018 - New & Returning NOMMA Members & Iron Club Members
O&MM Fabricator - January/February 2018 - 56
O&MM Fabricator - January/February 2018 - Gold Members
O&MM Fabricator - January/February 2018 - Take a Stroll Down Memory Lane - Nomma’s First Years
O&MM Fabricator - January/February 2018 - 59
O&MM Fabricator - January/February 2018 - 60
O&MM Fabricator - January/February 2018 - 2018 Product Preview
O&MM Fabricator - January/February 2018 - 62
O&MM Fabricator - January/February 2018 - 63
O&MM Fabricator - January/February 2018 - 64
O&MM Fabricator - January/February 2018 - Index of Advertisers
O&MM Fabricator - January/February 2018 - 66
O&MM Fabricator - January/February 2018 - cover3
O&MM Fabricator - January/February 2018 - cover4
O&MM Fabricator - January/February 2018 - outsert1
O&MM Fabricator - January/February 2018 - outsert2
O&MM Fabricator - January/February 2018 - outsert3
O&MM Fabricator - January/February 2018 - outsert4
http://www.nxtbook.com/naylor/NOMS/NOMS0518
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