, Give Us Your Lapses, Your High Mods & Your Hard-to-Place Risks

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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Challenging Risks - Real Solutions

We are ToughComp!

Give us your lapses, your high mods, your companies workers yearning for coverage. Send us the risks that make your standard markets suddenly develop “communication issues.” If the account has a lapse, a nasty mod, a checkered history, or simply makes underwriters reach for their coffee before they answer the phone—send it to ToughComp. We don’t run from tough workers’ comp risks. We run toward them.

Like Lady Liberty, we’re standing in the harbor with a light on—but instead of welcoming tired, poor, and huddled masses, we’re welcoming your tired, poor, and huddled workers’ comp submissions. High mods? Bring ’em. Lapses? We’ve got you. Hard-to-place companies? Even better. Give us your toughest risks. We are ToughComp—and apparently, we have a thing for trouble..

Got a lapse? Don’t panic. We like a little adversity.
High mod? Bring it on. We’re not afraid of a number that makes other underwriters nervous.
Hard-to-place company? That’s where ToughComp gets interesting.
Workers yearning for coverage? Give them a home.
Prior losses making everyone uncomfortable? We’ll take a look.
Standard markets saying “no thanks”? That’s usually when we want to hear from you.
Risk too tough for the competition? Perfect. You know who to call.
Give us your toughest workers’ comp risks.

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

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

TOUGH RISKS - SMART SOLUTIONS

info@toughcomp.com

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GLP-1 medications such as Wegovy and Zepbound are increasingly being used for weight management, but their impact in the workplace goes beyond the question of whether an employer-sponsored health plan covers them. As the article explains, employers may encounter employment-practices issues involving accommodation and leave requests, workplace comments or harassment, medical privacy, and employment decisions based on assumptions about an employee’s health or abilities. An employee’s use of a GLP-1 medication does not automatically create ADA protection, but the underlying medical condition being treated—or sufficiently severe medication side effects—may create obligations for the employer.

For employers, the key is to treat these situations consistently and carefully. Managers should avoid making assumptions about an employee’s health, weight, performance, or ability; accommodation requests should follow established procedures; medical information should remain confidential; and employers should reinforce anti-harassment and anti-retaliation policies. The article also recommends reviewing EPLI coverage with an insurance broker to determine whether the policy adequately addresses potential accommodation, harassment, and retaliation claims.

The Dr is in 24/7 @ askdrcomp.com

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New York workers’ compensation is

getting a closer look this October. Effective October 1, 2026, New York’s approved statewide average workers’ compensation loss-cost level is decreasing by 21.9% for policies written or renewed on or after that date. But that does not automatically mean every employer will see a 21.9% reduction in premium. Actual savings can vary based on class codes, carrier loss-cost multipliers, experience modification factors, payroll, and other policy-specific factors.

Employers: Don’t leave potential savings on the table. If your New York workers’ comp policy renews on or after October 1, ask your broker how the new loss costs affect your premium—and whether your carrier is passing the savings through. Have ToughComp review your renewal, check the numbers, and compare your options. A few minutes of review could uncover a meaningful opportunity to reduce your workers’ comp costs.

Email info@toughcomp.com and let ToughComp take a closer look.

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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?