Many things factor into calculating an experience modification rate, but it all comes down to the workers’ compensation triumvirate - job safety, recovery-at-work programs and injury management.
What Insurance Coverages Do General Contractors Need?
A general contractor’s insurance needs can be complicated. A knowledgeable agent can help demystify the options, explain what to require from subcontractors and how to minimize risk.
Professional Liability Insurance in Today’s Construction Industry
Understanding the basic mechanics of errors and omissions professional liability policies and recognizing the impact of exclusions can avoid missteps that may leave a business exposed to costly, time-consuming negligence actions.
Protect Against Wood-Frame Construction Hazards With CPL Insurance
Contractors face a learning curve to overcome the safety, project management, structural, moisture and design challenges that can impact wood-frame projects. As a result, many use insurance forms to control wide-ranging pollution problems.
No Rest for the Weary: Project Completion Is the Beginning of Litigation
Post-construction litigation mirrors the complexity of the project. Contractors can face construction defect litigation and be served with a Notice of Opportunity to Repair years after project completion.
Reassessing Project Safety Oversight
By revisiting and strengthening worksite safety practices, owners, CMs and GCs can avoid costly OSHA penalties and reduce accident-related liability exposures.
Digital Technology Can Resolve Low-Touch Claims in Hours, Not Days
With digital technology, minor claims can be processed faster—sometimes in a matter of hours. But automated claims processing need not come at the expense of personalized service.
Hold Harmless and Indemnity Provisions: What Did I Agree to Do?
Indemnity provisions usually include a requirement to hold harmless and defend another party. Generally, the upstream party tries to shift risk to a downstream party. Just because indemnity is legal doesn’t mean it’s fair.









