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🎯 If your subcontractors aren’t insured correctly… They could cost you six figures. Here’s why 👇 Most business owners think their subcontractors are “covered.” But if the paperwork isn’t airtight, YOU could be held liable for: ✔️ Injuries on the job ✔️ Property damage ✔️ Workers comp claims ✔️ Lawsuits tied to their work And here’s the kicker: If their insurance lapses - even by a day - the liability shifts to YOU. This is where most contractors get blindsided… …and where the right insurance p
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🎯 If your subcontractors aren’t insured correctly… They could cost you six figures. Here’s why 👇 Most business owners think their subcontractors are “covered.” But if the paperwork isn’t airtight, YOU could be held liable for: ✔️ Injuries on the job ✔️ Property damage ✔️ Workers comp claims ✔️ Lawsuits tied to their work And here’s the kicker: If their insurance lapses - even by a day - the liability shifts to YOU. This is where most contractors get blindsided… …and where the right insurance p
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Good news for Kentucky employers! The Kentucky Department of Insurance just approved another decrease in workers’ comp loss costs for 2026. That’s 20 straight years of reductions...but it doesn’t automatically mean your premium will go down. We broke down what this change actually means for Kentucky’s workers’ comp rates, how your experience mod fits in, and what smart business owners should do before renewal. Read the full breakdown here: https://rbisomerset.com/blog/kentucky-workers-comp-rates
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In Pennsylvania, your workers’ comp rates are based directly on your claims history. More claims = higher premiums. That’s why preventing claims is so important. Sometimes it’s not just about buying coverage. It’s about creating smart systems that protect both your people and your bottom line.  Want to lower your workers’ comp costs? Let’s talk. Comment below or call Mark at 610-367-2554 ext. 606. | Gerhart Hartman & Ritner Insurance Agency | Facebook
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In Pennsylvania, your workers’ comp rates are based directly on your claims history. More claims = higher premiums. That’s why preventing claims is so important. Sometimes it’s not just about buying coverage. It’s about creating smart systems that protect both your people and your bottom line.  Want to lower your workers’ comp costs? Let’s talk. Comment below or call Mark at 610-367-2554 ext. 606. | Gerhart Hartman & Ritner Insurance Agency | Facebook
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