The “Your Work” Exclusion in a General Commercial Liability Policy
- Best Practices, Contracts, Insurance, Legally Speaking, Risk Management
- July 26, 2022
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Smarter Jobsites, Same Old Gap0
by Jeanie Cunningham Robotics used to be a trade-show novelty on the jobsite. Not anymore. Contractor adoption of jobsite robotics jumped from 29% to 79% in a single year, and nearly a third of contractors piloted a robot on at least one project in 2026. (BuiltWorlds, 2026 Annual Equipment & Robotics Benchmarking Report.) Exoskeletons, demolition
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Insured, and Still Broke0
By Chris Cordon Most people believe health insurance is the thing that protects them from financial ruin. Then they read the fine print the hard way. The most-cited study of medical bankruptcy in this country found that nearly 8 in 10 of the people it wiped out had health insurance when they got sick. (American
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The Most Valuable Thing You Own Isn’t Insured0
Add up everything you’ve insured. The house. The car. The phone in your pocket has a $15-a-month protection plan on it. You’ve covered the things that can break, burn, or get stolen. Now look at the one asset that pays for all of it. A 35-year-old earning $70,000 will bring in well north of $2
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Why It’s Now Harder Than Ever to Maintain a Sub‑1.0 MOD Rate0
- Improving Productivity, Insurance
- March 31, 2026
For years, contractors have understood the importance of a low workers’ compensation experience modification rate—better known as the MOD. A strong MOD tells a clear story: a contractor with solid safety practices, fewer incidents, and well‑controlled workers’ compensation costs. It also sends a powerful message to customers who increasingly view MOD as a proxy for
READ MOREWhat the ACA Subsidy Expiration Means for Health Insurance Rates0
- Best Practices, HEALTH, Insurance, WORKFORCE
- March 31, 2026
This is a new regular feature of ASA. We hope you like it. You probably didn’t notice when it happened. December 31st came and went, and somewhere between the champagne and the bowl games, one of the largest health insurance subsidies in American history quietly expired. If you buy health insurance through the marketplace —
READ MOREThe Actual Cost of Doing Nothing: Why ASA Members Should Take a Serious Look at Their Association Health Plan0
- HEALTH, Improving Productivity, Insurance
- March 31, 2026
By Chris Cordon, Affinity Benefits If you’re a subcontractor running a company with fewer than 50 employees, you already know that health insurance is one of your biggest line items — second only to payroll. What you may not realize is just how much the deck is stacked against you in the current healthcare market,
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About FASA
To educate and equip subcontractors and suppliers with the knowledge and resources they need to thrive in the construction industry. Additionally, FASA raises awareness about issues critical to and about construction in the United States.
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