As a broker, you know your clients want more than just a policy; they want peace of mind, fewer claims, and lower premiums. In today’s risk environment, commercial insurance with embedded safety tools are not just a bonus. They’re a differentiator. ...
When you're trying to place a client with a high experience mod (ex-mod) score, the list of workers’ comp carriers willing to take the risk shrinks fast. Standard markets often shy away and assigned risk pools don’t always deliver the service or pricing your client...
For top-performing agents and brokers, July 1st often marks a high point in the calendar year. But once those major renewals are behind you, the pace can slow down. That doesn't mean your growth should. The smartest professionals in the business use this time to...
If you’ve ever received a workers’ comp quote and noticed a high premium, your experience modification rate, or mod, could be the reason why. Specifically, a higher mod in workers' comp can significantly increase your insurance costs. But what exactly is a mod, how...
What are Loss Runs and How to Get Them - Workers Comp 101 Every business has a documented history of its insurance claims, known as loss runs. These reports are crucial for insurance providers to assess a company's risk profile and determine appropriate coverage and...
The workers’ compensation claim process isn’t straightforward. Each state has different workers’ compensation laws that affect the process. One question insureds often ask is, “how long can workers’ comp claims stay open?” When a work-related injury happens, the...
When procuring workers’ compensation for your client, there will be cases where not everyone on the company payroll needs coverage. In other words, those employees (or non-employees) are “exempt” from workers’ comp. Understanding workers’ comp exemptions can help your...
Workers' comp limits and what they mean—for workers' and employers Your workers' compensation policy is so much more than a mandatory insurance product. It protects your workers in the event of an injury or illness, and simultaneously wraps around your business—paying...
Roofing Insurance: Workers' Compensation The roofing industry is one of the riskiest out there—and the high cost of roofing workers' comp insurance proves it. From working at extraordinary heights to traversing sharp slopes and angles, roofing is no walk in the...
American businesses have confronted challenging market factors including the pandemic, a housing surge, a tight labor market, and increasing material costs. These macroeconomic factors can directly impact worker safety and wellbeing, making it more important than ever...
Now that 2023 is in the rearview mirror, I pause to reflect on Foresight’s accomplishments. The past 12 months saw our team and broker partners deliver measurable safety results for our policyholders, grow our book of business, and expand to new states through a...
As record-setting heat waves stretch across the US and the globe, it is impossible to ignore the impact on millions of workers. Many at risk of heat injury work in professions that already present higher hazards—such as agribusiness and construction. Not only can high...