A TRUCORDIA COMPANY

Call Us: 385-318-4362

info@toughcomp.com

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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"Mishka the Purring Professional"

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If you’ve ever wondered what it’s like to get your workers’ compensation insurance recommendation from a cat, meet Mishka — the purring professional himself. Mishka takes his role very seriously… right after his fourth nap of the morning. He’ll review your policy options between luxurious stretches, occasionally pausing to bat at the mouse (the computer one, thankfully). His underwriting philosophy is simple: if you bring him treats, you’re clearly responsible enough to handle employee risk. No treats? Expect some very judgmental staring — and perhaps a clause about mandatory snack breaks.

When it’s time to discuss premium rates, Mishka insists on belly rubs before negotiations begin. Just be warned — you’re never quite sure when “rub my belly” will turn into “I’ve had enough, human” territory. But if you survive that test of courage, you’ll be rewarded with the most adorably thorough insurance recommendation imaginable. Mishka’s motto? “Purr-tection first, paperwork later.”

Insurance made simple. Coverage made tough. That’s ToughComp.

Tough Risks, Smart Solutions!

385-318-4362

info@toughcomp.com

HR Brief Newsletter - March 2026

This HR Brief Newsletter discusses HR trends for 2026 and shares tips to help employees find meaning at work.

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Premium Recovery

Can you benefit from a Workers Comp Refund?

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Small Business Bulletin Newsletter - March 2026

This month's Small Business Bulletin offers learning and development tips tailored to small businesses and explores why many small employers are scaling back employer‑sponsored health insurance.

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ToughComp! Your home for all Workers Comp

-Standard Markets

-PEO's

-ASO's,

-Occupational Accident

-Cyber Insurance

-Workers Comp with AI loss Control

-Small Contractors Program

High Mod, Credit Mod, Lapse and/or Losses

WE GOT YOU COVERED

Top Reasons to Consider ToughComp for Your Workers' Compensation Policy:

1. Comprehensive Coverage: ToughComp provides a wide range of coverage options, including standard markets, PEOs, and ASOs, ensuring tailored protection that meets the unique needs of various industries.

2. Cost Efficiency: By sourcing competitive pricing from multiple workers' compensation providers, ToughComp can identify the best possible rates, helping businesses achieve potential cost savings.

3. Expert Support: ToughComp offers a resolute team of professionals to assist throughout the submission process, including:

o Accurately completing the Acord 130 to ensure precise quotes.

o Generating loss run request letters for clients to facilitate obtaining loss runs.

o Acting as an intermediary to address underwriter questions.

o Evaluating quotes to find the best fit for the insured's needs.

4. Customizable Plans: The ability to customize coverage allows businesses to select specific features and limits tailored to their operations and workforce requirements.

5. Reputation and Reliability: ToughComp is known for its solid industry reputation, providing peace of mind for business owners seeking a dependable partner in managing their workers' compensation needs.