Sims Crane Earns Insurance Premium Reduction Via Safety Record

Words: Dan Kamys

Sims Crane Earns Insurance Premium Reduction Via Safety Record

Sims Crane & Equipment Co. has earned a significant reduction in its insurance premium, due to its on-the-job safety score. The firm’s Experience Modification Rate (EMR) is .68, meaning its insurance premiums will be 68 percent of the premiums required from less safe companies.

“The EMR is a rigorous standard set by insurance companies and the state, so having those outside third parties attest to our superior workplace safety practices and our culture of safety at Sims is a credit to everyone who works here,” says Dean Sims II, VP of marketing at Sims Crane & Equipment.

The EMR is a gauge of both past cost of injuries and future probability of injuries. An EMR of 1.0 is considered industry average. The lower the EMR, the lower the firm’s worker compensation insurance premiums will be.

The EMR is designed to measure whether a company’s workers’ compensation losses are better or worse than expected. If the experience is worse than expected, a company is punished with a high EMR greater than 1.0. If the experience is better than expected, a company is rewarded with a low EMR below 1.0, paying less for workers compensation premium than a company with a high EMR.

“In Florida, Workers Compensation rates are ultimately determined by the Florida State Department of Insurance. The only real mechanism to apply either good or bad loss experience to the premium calculation is through the experience modifier,” says Randy Proos, USI Insurance Services, Coral Gables, Fla..

The EMR is calculated by a rating bureau, the National Council on Compensation Insurance, using three years of past loss history, excluding the immediate past year. The 2014 EMR is calculated using the 2012, 2011, 2010 loss experience.



PPE That Workers Actually Wear: Building Buy-In Through Education and Smart Selection
August 2026

In masonry construction, personal protective equipment (PPE) is often the last line of defense between a worker and an injury. Yet despite its importance, PPE compliance remains one of the most common challenges on jobsites across the country. The realit

Greg Brown
Safety Library
Read More
Zero Laydown: Navigating the Logistics of Tight Urban Job Sites
August 2026

In modern commercial construction, spatial real estate has become just as valuable as the materials themselves. The industry shift toward high-density, urban projects means that the sprawling job sites of the past have been replaced by tight footprints wh

Shayne Sanders
MAP Partner
Read More
Why "The Software Can't Track That" Is Finally Going Away
August 2026

For as long as specialty contractors have used field software, most of them have kept a workaround somewhere: a spreadsheet on a foreman's laptop, a whiteboard in the trailer, or a text thread where crew leads send block counts at the end of the day becau

Erin Koets
Build Smart
MAP Partner
Read More
Monadnock Building
August 2026

Chicago’s Monadnock Building doesn’t dominate the skyline the way it once did. Surrounded by steel-and-glass towers, the dark brick structure can seem almost understated. But for anyone in the masonry industry, it remains one of the most important buildin

Cass Stern
American Treasure
Brick Clay Brick
Read More