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 Raven Returns: A ToughComp Holloween

The Raven Returns: A ToughComp Halloween

Once upon a midnight dreary, brokers pondered, weak and weary,

Over workers’ comp renewals filled with terror, doom, and fright.

Mods were climbing, markets fleeing, underwriters all agreeing,

“This account is much too scary!” as they vanished into night.

Then a knock came at the door—Dr. Comp had come once more!

“High mods? Tough classes? Claims galore?

Fear not, dear broker, there’s a cure!

Call ToughComp—we’ll find a door!”

And Inspector Comp, with Mishka Comp in tow, said,

“There’s one more thing you need to know:

Secure those tools and check that site, or claims will haunt you through the night!”

The Raven croaked from up above, its feathers black as midnight’s glove:

“Bad renewals? Nevermore… NEVERMORE… WE HAVE 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

You think Halloween is scary?

Election Day is coming!

Inspector Comp is here with a reminder that the scariest thing this season might not be ghosts, goblins, or creepy costumes—it could be an employer who isn't prepared for employee voting-leave requirements! Depending on the state, employees may be entitled to time off to vote, and some states require paid leave or advance notice. Ignore the rules, and your compliance nightmare could be more frightening than anything lurking in the shadows!

Don't let voting-leave rules turn into a real-life horror story! Inspector Comp says it's time to inspect your policies, check your state's requirements, and make sure your team knows the rules before Election Day arrives. From required notices to scheduling time off, a little preparation now can help keep workplace compliance from becoming a monster. Remember, brokers, helping your clients stay informed is another way to deliver value beyond the policy. This Halloween, keep the tricks out of your compliance program!

Employee Leave for Voting

When election time draws near, employers should be prepared to handle requests from employees for time off from work to vote. Many states have voting leave laws that allow employees to take time off to vote in certain circumstances. This Compliance Overview includes a chart of state voting leave laws.

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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