The “Your Work” Exclusion in a General Commercial Liability Policy
- Best Practices, Contracts, Insurance, Legally Speaking, Risk Management
- July 26, 2022
- Insured, and Still Broke
- The Most Valuable Thing You Own Isn’t Insured
- Why It’s Now Harder Than Ever to Maintain a Sub‑1.0 MOD Rate
- What the ACA Subsidy Expiration Means for Health Insurance Rates
- The Actual Cost of Doing Nothing: Why ASA Members Should Take a Serious Look at Their Association Health Plan
- 2026-09-01T04:02:39-04002026-08-04T05:41:49-04002026-03-31T12:58:02-04002026-03-31T04:58:18-04002026-03-31T04:27:07-0400
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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
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What 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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Preventing Your Insurance Claim From Becoming a Shakespearean Tragedy0
- Insurance, Legally Speaking
- June 24, 2025
By David Humphreys, Carson Law Group, PLLC Do your liability insurance premiums keep rising each year while your coverage dwindles? Despite the expensive premiums, have you experienced the disappointment of submitting a claim only to have your insurer deny coverage? If so, you’re certainly not alone in the construction world. Construction liability insurer have become
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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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