Workers' Comp

Workers' Comp Audit Risk from 1099 Contractors: NY Residential Property Owners

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For most New York residential owners and operators, independent contractors are just part of doing business. Masonry, roofing, plumbing, unit turns—there’s always another project, another 1099, another COI to track. The problem is that…
AI Liability

Major Insurers are Pulling Back from AI Liability

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The continuing growth and integration of Artificial Intelligence into business operations—from automated customer service agents to advanced decision-making systems—promises unprecedented efficiency and cost reduction. However, as…
Construction risk

Construction Risks are Evolving—Here's How to Adapt

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As a business leader, you’ve become accustomed to managing uncertainty. Conversations about tariffs, taxes, and policy shifts are a regular part of strategic planning. But in today’s construction risk landscape, high borrowing costs,…
Amendments to ESSTA & TSCA

NYC Employers Amendments to ESSTA & TSCA Laws for 2026

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(The factual summary in this article is based in large part on a contribution from Richard Landau of Jackson Lewis.) A new set of amendments, enacted on October 25, 2025, will soon introduce significant changes to the Earned Safe…
construction insurance and surety

The Hidden Risk Gap Between Construction Insurance and Surety

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As a leader in the construction or development space, you must proactively manage risk from all angles. You have a commercial insurance agent to handle your liability policies. You have a surety agent to secure your bonds. You review the contracts,…
Family Insurance Plans

Family Insurance Plans Continue to Rise: Costs Averaging $27,000

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As a business leader, you’re accustomed to managing volatile costs—materials, logistics, and labor. But in 2025, the line item creating the most C-suite anxiety is likely your employee health benefits. The numbers are stark. According…
commercial property insurance rates

Market Shift: How to Capitalize on Falling Commercial Property Insurance Rates

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For the past several years, business owners and financial leaders faced the challenge of a hardening insurance market, specifically with commercial property insurance rates. However, an ongoing shift is continuing in a favorable direction…
commercial auto premiums

Why Commercial Auto Premiums Keep Rising—And What to Do About It

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If you’re a business owner, CEO, or CFO, you’ve likely watched your commercial auto premiums climb year after year, wondering when it will end. It’s a frustrating trend that can significantly impact your bottom line. While it’s easy…
contractor qualification

Contractor Qualification: Lowering Construction Risk

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One theme is standing out across the construction landscape: contractor qualification is now a cornerstone of how project owners reduce risk, prove preparedness, and satisfy mounting insurance requirements. With contractors making up…