Construction is one of the highest-insured industries in the private sector of business. The volatility and potential risks of the business make all kinds of insurance coverages necessary for survival.

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

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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…
managing construction insurance costs

Managing Construction Insurance Costs: Strategic Risk Architecture for 2026

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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…
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,…
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…
Construction Labor Shortage

Construction Labor Shortage: How to Protect Your Margins

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Labor has become one of the biggest obstacles to construction project planning, profitability, and long-term sustainability in 2025. The construction labor shortage continues to strain contractors despite steady wage increases over the past…

National Safety Stand-Down Week Announced ( With INFOGRAPHIC)

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OSHA recently announced that the National Safety Stand-Down Week will take place September 14-18, 2020. This week is to recognize fall dangers, and, in general, work-site safety. Fall-related injuries continue to be the number one leader in…
diverse construction workers

Social Distancing on Construction Sites

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Where is Construction with Social Distancing Currently? Social distancing is already a hard task in our daily lives around the house. It is substantially harder when at work, especially when in the construction business. Construction involves…