Why Builders Should Take a Closer Look at Cyber Insurance

According to a recent survey conducted by CNBC, 56% of small business owners are not concerned about the prospect ...

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Alleviating Workers’ Compensation Pain: A Note on Aggravated Inequity

In one of our previous articles on the Experience Modification Rating Factor (EMR), we briefly mentioned Aggravated Inequity as ...

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Capitalizing on the Construction Class Credit

January 1, 2021 marked the 30th anniversary of the Massachusetts Construction Classification Premium Adjustment Program (MCCPAP). For eligible employers ...

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Taking Control of your EMR

After employee classification codes and payroll, the Experience Modification Rating Factor (EMR) is the strongest driver of Workers’ Compensation ...

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What is Your Mod and What Does It Do?

In a previous article, we reviewed workers’ compensation classification codes commonly used in residential construction operations. The Workers’ Compensation ...

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Avoiding Premium Audit Surprises – Key Considerations

Were you surprised the last time you received an audit bill from your insurance company? I am writing to ...

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When Contractors Pollution Liability Coverage Steps In

According to the Environmental Protection Agency (EPA), 25% or 160 million tons of non-industrial waste generation in the United ...

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