Worker’s comp analysis is where we take your loss runs, take your worksheets from the state, and put them together to ensure that the experience modification is accurate. There have been many times when claims are going on with your…
Many contractors view insurance as a requirement, but risk assessments are a proactive tool that helps protect your business long before a claim occurs. What Is a Risk Assessment in Construction? A construction risk assessment involves a safety professional reviewing…
When we talk about risk, we’re really talking about understanding what could potentially go wrong. In insurance, risk means recognizing what’s happening on the job site and how those exposures should be properly covered. It’s that simple—risk is the possibility…
Managing business insurance isn’t just about buying individual policies—it’s about making sure every piece fits together without leaving dangerous gaps. Many companies have multiple people handling different parts of their insurance portfolio. While that may seem efficient, it often leads…
Many business owners think they’ll save money by going directly to the insurance company instead of using a broker. It sounds logical: cut out the “middleman,” save some cash… right? Wrong.In most cases, you pay the same premium whether you…
When it comes to your commercial insurance, your broker’s value shouldn’t just show up once a year — it should be felt all year long. Too often, clients only see their broker’s efforts at renewal time, when a polished report…
When it comes to commercial insurance, claims management plays a vital role in maintaining both your coverage and your financial stability. Working with a commercial broker who truly understands claims management can make all the difference — not only in…
The Hidden Risk of Hiring Uninsured Workers When you bring in someone to help on a project, it might seem like a simple arrangement: you hire them, they do the work, and you pay them. But here’s the big catch—if…
By Matt Rogers | CRS – Contractors Risk Solutions Are you a construction company reviewing your insurance renewal right now? Chances are, your broker or agency just handed you a “Steward Report.” It’s packaged nicely, full of stats and summaries,…
Mishaps occur. That’s a simple fact of life and business. A claim occurs, and the question of who is at fault is secondary—this is precisely why you carry business insurance. There’s an exposure, and your policy is there to address…
Hiring 1099 contractors can be a great way to manage a flexible workforce for your construction business. But did you know that if you’re not careful, you could end up paying for their workers’ compensation? This common and costly mistake…
