One of the main safeguards is builder’s risk insurance which essentially insures a structure while under construction. In this guide, we will summarize the 5 W’s of builder’s risk from the viewpoint of an owner or developer.

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Blogs

Understanding workers’ compensation non-renewals: The impact of loss development factors

Imagine you’re three months away from your workers’ compensation renewal when you open your email to find an unexpected non-renewal notice due to losses. How can this be? After all, your current year’s loss ratio stands at a seemingly healthy 35%. That should be profitable, right? The reality is ...

Blogs

The connection between NCCI split points and increasing EMRs

In recent years, many contractors have observed a troubling trend: their workers’ compensation Experience Modification Rate (EMR) has been on the rise, despite stable or improved loss experiences. This phenomenon raises an important question: why are EMRs increasing when the underlying claim costs appear unchanged? What is EMR and ...

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2025 Employee Health & Benefits Trends Placemat

Learn more about the key trends that will shape the employee health & benefits industry in 2025.