You may think that workers compensation insurance is about protecting your employees in case of an accident. But it's really about protecting your company from the employee in case of that very same accident.

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"The ToughComp Anthem"

Is Your Workers’ Comp on Life Support?

Critical condition doesn't mean terminal!

Is your workers’ comp policy flatlining? Are sky-high premiums, an ugly experience mod, and carrier declinations making your account look like it needs last rites? Has your renewal arrived with a number so frightening that even your client needs oxygen? Don’t panic! Dr. Comp is on call, and he’s seen some pretty sick accounts in his day.

Before you give up on that tough account or send your client elsewhere, give ToughComp a shot! We’ll help diagnose the problem, explore available markets, and look for a treatment plan that makes sense for your client. High mod? Ugly losses? No takers at renewal? Send us your toughest workers’ comp accounts before you write them off. Your client gets another option, and you get another chance to save the business. ToughComp — Tough Risks. Smart Solutions.

High mod? Tough losses? Big renewal increase? Declined by your usual markets?

Before you pronounce the account dead, call ToughComp.

Review. Remarket. Recover.

Agent & Broker Focused — You bring the risk; we’ll work the market.

Challenging Risks - Real Solutions

We are ToughComp!

Bookmark www.ToughComp.com for your next tough workers' comp account and remember at www.askdrcomp.com the Comp Doctor is in 24/7

info@toughcomp.com

Inspector Comp here, and I've got a bone to pick with gravity! On a construction site, what goes up doesn't always come down safely—and a dropped hammer, loose wrench, or flying piece of debris can turn an ordinary workday into a serious workers' comp claim. In 2024, falling-object incidents accounted for 282 worker deaths and approximately 14,000 nonfatal injuries. That's a lot of reasons to keep your hard hat on and your tools where they belong!

The good news? You don't need a superhero to keep objects from taking a dive. Secure your tools with proper tethers, store materials safely, keep elevated work areas clean, install appropriate barriers, and keep workers out of overhead danger zones. And brokers, here's your own inspection tip: help your construction clients take safety seriously before a falling object sends their claims history—and their workers' comp premiums—through the roof! Inspector Comp says, "Keep the tools secured, the hard hats on, and the claims on the ground!"

Best Practices for Preventing

Struck-by Incidents

from Dropped Objects

on Construction sites

This WorkSafe Insights provides best practices for preventing struck-by incidents and injuries from dropped objects - including tools and materials - in the construction industry.

Inspector Comp Says:

Watch What Falls! And download the article today!

READY TO MAKE TOUGHCOMP YOUR CYBER CENTER?

How Cyber-Ready Is Your Client?

• Do they currently carry a standalone cyber policy?
• How many employees have access to company systems and data?
• How much sensitive personal information does the company handle?
• Are critical company backups protected and disconnected from the network?
• Is sensitive information encrypted on computers, devices and emails?
• How much does the company process in credit/debit card transactions?
• Are wire and ACH requests verified by at least two employees?
• Do they have procedures to protect against privacy and intellectual-property issues?
• What is thier annual Gross?

Not sure about the answers? That may be the biggest answer of all.

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Got a Tough Workers’ Comp Account?

Send It to ToughComp.

Every broker has those accounts that don't fit neatly into the standard market.

High Mod. Credit Mod. Lapse. Losses. Tough Class Codes.

Instead of giving up on the account, give ToughComp a shot.

We work with brokers to find workers’ comp solutions for challenging accounts across:

• Standard Markets
• PEOs & ASOs
• Occupational Accident Insurance
• Artisan Contractors — NY, NJ, PA & IL
• Small Contractors
• Premium Recovery
• Hard-to-Place & Challenging Risks

We Do the Heavy Lifting

Once you send us the account, our team can help with the process from submission to quote:

• Review and prepare the submission
• Assist with the ACORD 130
• Help obtain loss runs
• Shop available markets
• Work directly with underwriters
• Handle underwriting questions
• Compare quotes and coverage options

You Bring the Account.

We Bring the Workers’ Comp Expertise.

Don't let a difficult account become a lost account.

High Mod? Lapse? Losses? Tough Class?

WE GOT YOU COVERED.

Have an account that's giving you trouble? Let ToughComp take a look.

ToughComp

Your Home for All Workers’ Comp

Address:

28 Village Road North, 3R

Brooklyn, NY 11223

929.263.0770

Email: info@toughcomp.com