Subcontractors aren’t just another line item; they can quietly and significantly reshape your clients’ Workers’ Compensation exposure. When overlooked, their impact can escalate costs and complicate risk...

Whether it's a construction firm, restoration contractor, disaster recovery service, or another business pivoting to support fire-affected areas, it’s important to understand how a shift in operations can...

An experience modification (E-Mod) is a direct reflection of an insured's safety performance and claims history.Understanding its impact is fundamental in helping to guide clients towards smarter risk...

A business’s experience modification factor (E-Mod) directly impacts the premium they are charged for their workers’ compensation coverage. Insureds often inquire about this important rating factor when...