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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"Scrubbin' Tough with ToughComp"

OCTOBER 15 IS NATIONAL HANDWASHING DAY

Go ahead. Wash your hands.

Wash away the germs.

Wash away the dirt.

Wash away whatever is on the break-room door handle. But whatever you do…

DON’T WASH YOUR HANDS OF YOUR WORKERS’ COMP!

October 15 is National Handwashing Day, so go ahead and scrub those hands until they’re cleaner than a brand-new audit worksheet. Wash away the germs, the dirt, and whatever was living on that office coffee mug. But when it comes to Workers’ Comp, don’t wash your hands of the tough stuff. High mod? Tough class? Loss history? Lapse? Difficult renewal? “Set it and forget it” might work for a slow cooker, but it’s not much of a strategy for Workers’ Comp. Brokers, got a Workers’ Comp account you’d rather wash your hands of? Don’t. Send it to ToughComp.

ToughComp is built for the accounts that make you want to reach for the soap. Bring us your toughest Workers’ Comp risks and let us put our expertise, markets, and problem-solving to work. Before you tell your client, “There’s nothing we can do,” give ToughComp a shot. You bring the tough risk. We’ll bring the smart solution. Tough Risks. Smart Solutions.

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

Strong cybersecurity practices can lock the doors, train the team and make life harder for cybercriminals—but Inspector Comp knows there’s no such thing as an unbreakable lock. One successful ransomware attack, data breach or business email compromise can quickly turn into lost income, recovery expenses and a very uncomfortable conversation with your client. Cyber hygiene helps reduce the likelihood and severity of an attack, but it can’t eliminate the risk entirely. That’s where cyber insurance becomes an important part of the protection strategy.

Brokers, don’t wait until your client’s screen says “CYBER ATTACK” to investigate their coverage. Inspector Comp says it’s time to pull out the magnifying glass and review the policy: first- and third-party coverage, ransomware protection, business interruption and social engineering coverage all deserve a closer look. Good cyber practices help protect the business; the right cyber insurance can help protect the balance sheet when those practices aren’t enough. Case closed? Not until you’ve checked the coverage.

WC WITH AI NOW WITHOUT CAMERAS!

• M​anufacturing
• Food Processing
• Warehousing

No cameras to quote. AI reads loss runs, claims patterns, and class code exposure. If a pre-bind survey is required, your client walks the work zone with a phone and snaps a few photos.

Although strong cyber practices can reduce the likelihood and severity of an attack, they can’t eliminate the risk entirely. This infographic outlines why protecting your business with cyber insurance is important and key policy areas to review.

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