Practice Groups Archives - Metropolitan Risk Advisory

What Building Owners Need to Know About Contractor Insurance Failures

You did everything right. You hired a licensed general contractor, collected the necessary certificates of insurance (COIs), and ensured they signed a contract with ironclad hold-harmless and indemnification language protecting your interests. Then,…

Claims-Made Insurance: Protecting Non-Profits and Healthcare Services

Home Healthcare Practice, Human Services Practice Group Content, Non-Profit Group Content, Risk Management

For high-risk organizations with professional liability, elder care, childcare, or healthcare liability exposures—ranging from non-profits and home healthcare agencies to skilled nursing facilities and professional service firms—your…

What A High Experience Mod Means and How It Can Affect You

Claims Management, Construction Practice Group Content, Food & Beverage Practice Group Content, General Liability Insurance, Human Services Practice Group Content, Line of Insurance, Risk Management, Transportation Practice Group Content, Workers Compensation Insurance, Workers Compensation Premium Audits

Your Experience Modification Rate (EMR) is still elevated—perhaps higher than last year. Re-marketing your insurance buys time, not relief. Because EMR adjusts workers’ comp pricing according to loss performance, the only durable fix is…

Commercial Real Estate Insurance Trends Are Hiding Liability Risks

Commercial Property, Real Estate Practice Group, Risk Management

As we approach the close of 2025, one of the most defining commercial real estate insurance trends has settled into a distinct—and somewhat disorienting—pattern. If you are a real estate owner or operator reviewing your portfolio…

Managing Construction Insurance Costs: Strategic Risk Architecture for 2026

Construction Practice Group Content, Risk Management

In the construction sector, the distance between a profitable year and a catastrophic loss is often measured in inches—or in fine print. As we look toward 2026, the margin for error is shrinking. Construction business leaders are…

NOI risk for New York Residential properties

The 3 Factors Hurting N.O.I For New York Residential Properties

Claims Management, New York, Real Estate Practice Group, Risk Management, Workers Compensation Insurance

It’s a frustratingly familiar scenario for New York property owners. You’ve optimized your rent roll, managed vacancies, and kept a tight grip on operating expenses. By all accounts, your Net Operating Income (NOI) should be stable…

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

Commercial Property, Real Estate Practice Group, Vendor Sub Contractor Qualification, Workers Compensation Insurance

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…

Construction Risks are Evolving—Here's How to Adapt

Construction Practice Group Content, Risk Management

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,…

The Hidden Risk Gap Between Construction Insurance and Surety

Construction Practice Group Content, Risk Financing, Risk Management

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,…