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.

CLICK HERE TO HEAR THIS WEEK'S TC SONG

"The Missing Renewal"

HAVE YOU SEEN THESE MISSING WC RENEWALS?

Have you seen this WC renewal?

Last spotted in the underwriter’s inbox, this renewal has gone missing in action! Is it buried under a mountain of submissions, lost in cyberspace, or stuck in the dreaded “Still Under Review” pile? Meanwhile, the renewal deadline keeps getting closer! Don’t let your client’s coverage become another missing-person case!

• Reported missing after submission. No quote, no update, no sign of life!
• Time is running out! The renewal deadline is getting closer, but the policy is nowhere to be found.
• Suspected of being buried under 347 other submissions. Inspector Comp is investigating!
• Presumed lost after a standard-market decline? Don't close the case just yet!
• Still waiting for a quote? This case has been open far too long!
• Have a renewal that's gone cold? Inspector Comp wants to see the file!
• Last known status: Missing in action. Reward offered for a competitive workers' comp solution!
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BROKERS, CALL IN INSPECTOR COMP! If your underwriter has gone silent, your renewal is stalled, or your standard markets have said no, stop waiting and give ToughComp a shot! We specialize in hard-to-place workers’ comp risks and alternative market solutions. That tough account sitting on your desk? Send it to ToughComp TODAY! Don't waste another day waiting for answers. Let Inspector Comp investigate while you get back to business!

BROKERS, DON'T LET YOUR RENEWALS BECOME COLD CASES!

READY TO CRACK THE CASE?

Submit Your WC Accounts to ToughComp

https://toughcomp.net/brokers

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

Dr. Comp’s Small Business Checkup: Healthy Teams Start with

the Right Care!

Dr. Comp here! Running a small business isn't easy. You're the boss, the problem-solver, and sometimes the entire HR department! When it comes to hiring, remember that the best candidate isn't always the one with the longest résumé. Look for the right attitude, a willingness to learn, and someone who fits your team. Be honest about the job, make interviews count, and don't underestimate the power of competitive benefits and a positive workplace. After all, finding great employees is only half the battle—keeping them is the real prescription for success!



But wait, there's more! Even the healthiest-looking workplace can have an unseen problem: employee loneliness. When everyone's busy wearing multiple hats, genuine connections can fall by the wayside. Dr. Comp's prescription? Check in with your team, make time for a little conversation, recognize accomplishments, and encourage a healthy work-life balance. And while you're giving your business its annual checkup, don't forget to review your insurance needs, too! From workers' compensation to employee benefits, ToughComp is here to help brokers explore solutions for their clients. Remember: a healthy business starts with a healthy team—and Dr. Comp wants to keep both in good shape!

Small Business Bulletin Newsletter - November 2026



Hiring Tips for Small Businesses

Dr. Comp’s Small Business Checkup

My prescription for a healthier business:

• Hire the Right Fit: Look beyond the résumé—attitude and willingness to learn count!
• Keep It Honest: Make sure your job postings match the real job.
• Think Beyond Salary: Flexibility, growth opportunities, and competitive benefits can help attract talent.
• Build Team Spirit: Strong workplace relationships help keep employees engaged.
• Check In Regularly: A little conversation can go a long way toward keeping employees connected.
• Watch for Burnout: Encourage breaks, time off, and a healthy work-life balance.
• Review Your Benefits: Competitive benefits can help your small business stand out.
• Check Your Insurance, Too: Make workers’ compensation and employee benefits part of your business checkup.

Dr. Comp’s final diagnosis: A healthy business starts with a healthy team! Don't forget to give your insurance program a checkup, too.

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.

CLICK ON TITLE BELOW FOR MORE TOUGHCOMP INFORMATION

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