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…
Hello, this is Matt Rogers from CRS. Today, we will discuss the significance of claims management. The term is well-known, but what does it mean? The purpose of this post is to explain the importance of claims management and the…
Did you know that 70% of audits for workers’ compensation insurance are incorrect? Yes, it’s true—most audits contain errors. But why does this happen so often? The Root Cause: Lack of Information The main reason audits are frequently wrong is…
If you’ve been awarded a construction job, one crucial step before you begin is obtaining a safety report. These reports are essential to ensure the safety of your team and to prevent any accidental damage or code violations on-site. Hi,…
Using insurance strategically is a powerful way to keep costs low and ensure your business’s revenue continues to grow. Hi, I’m Matt Rogers from CRS — Contractors Risk Solutions — and today I want to share insights about commercial auto…
The insurance industry is undergoing a major shift. It’s no longer about offering general coverage to a wide range of clients—success in this field is increasingly tied to deep specialization. To truly serve clients well, today’s brokers need to know…
As an insurance broker working closely with companies—especially those in construction—I’ve seen it too many times: injury prevention programs (IPPs) that are generic, barely reviewed, and clearly not being used effectively. These are often bought online, slapped together, and thrown…
