Insurance Archives

Why It’s Now Harder Than Ever to Maintain a Sub‑1.0 MOD Rate 0

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

What the ACA Subsidy Expiration Means for Health Insurance Rates 0

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 —

The Actual Cost of Doing Nothing: Why ASA Members Should Take a Serious Look at Their Association Health Plan 0

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,

Preventing Your Insurance Claim From Becoming a Shakespearean Tragedy 0
- 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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The Cost of Negligence: How Preventable Safety Failures Result in High-Stakes Court Verdicts 0
- Ask a CPA, Best Practices, Insurance, Risk Management
- June 24, 2025
By: Brandon Seidl, The Miller Group In recent years, the term “nuclear verdict” has become a growing concern for companies across all sectors, especially those where safety and risk to the public or employees intersect. This is especially true in construction, where heavy machinery and high-risk environments are common. In construction, “negligent entrustment” is a
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Preventing Your Insurance Claim from Becoming a Shakespearean Tragedy 0
- CONSTRUCTION, 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 had the unfortunate experience of submitting a claim only to have your insurer deny any coverage? If so, you are certainly not alone in the construction world. Construction liability
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