10/07/2026
A high workers’ comp e-mod can create real challenges for contractors — from higher premiums to fewer carrier options and tougher bidding conversations.
In this Insurance Executive article, Michael Gallaugher breaks down practical ways contractors can recover, including stronger safety practices, return-to-work programs, early claim reporting, and better preparation at renewal.
At Toro Insurance Group, we believe workers’ compensation should be managed as part of a larger strategy to protect employees, control claims, and build a stronger business.