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,…
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…
EMR Impacts Construction

How a High EMR Impacts Construction: 5 Key Effects

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A high Experience Modification Rate (EMR or Mod) doesn’t just raise your workers’ comp premiums—it can quietly drain profitability across your entire construction business. EMR is a number insurers use to adjust your workers’ comp…
OLT policy

OLT Policy: A Neighborly Approach to Risk Management

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Construction and development are noisy, complex, and sometimes intrusive. Work can affect adjoining properties—through access needs, vibration, overswing, or temporary encroachments. An OLT Policy (Owners, Landlords & Tenants) addresses…
Mental health workers comp

Mental Health & Workers’ Comp: What Owners Should Do

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The Issue at Hand   Workplace injuries rarely end with stitches and physical therapy. Many events leave psychological trauma that disrupts care and delays return to work. Symptoms include acute stress, anxiety, depression, or…