An experience modification rating (EMR) provides a numeric factor for adjusting insurance premiums. An experience modification worksheet, often referred to as an experience rating worksheet or experience mod worksheet, is important in workers’ compensation insurance. When a company receives an experience rating, it is accompanied by...

In the world of construction, accidents can happen very quickly. Alex, a 32-year-old construction worker, was a dedicated and careful employee. One crisp October morning, Alex was working on a site, carrying out routine tasks. While helping his team lift a heavy beam, a misstep...

By Suzanne D’Amato, Employee Benefits Attorney – Hilb Group National Practice Leader, EB Compliance November 21, 2025 Election Outcomes—Republican Trifecta • President-elect Trump • Senate – R’s have 3-seat majority • House of Representatives – R’s control Pre-election:  214D – 221-R Post-election:  215D-220-R Future of the Filibuster • The filibuster requires 60 votes to overcome...

The construction industry is continuously moving toward digitization, adopting advanced technology such as artificial intelligence, the Internet of Things (IoT) and Building Information Modeling software. These innovations help to automate tasks, reduce waste and improve efficiency, productivity and safety. However, this shift also brings significant...

A safety committee is crucial for creating and maintaining a safe workplace culture. These committees bring together employees, management and safety professionals to proactively address workplace hazards. There are several organizational benefits to implementing a safety committee. They can provide a safer work environment, increase employee...