ToughComp

10/08/2026

Although strong cyber practices can reduce the likelihood and severity of an attack, they can’t eliminate the risk entirely. This infographic outlines why protecting your business with cyber insurance is important and key policy areas to review.

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10/07/2026

Strong cybersecurity practices can lock the doors, train the team and make life harder for cybercriminals—but Inspector Comp knows there’s no such thing as an unbreakable lock. One successful ransomware attack, data breach or business email compromise can quickly turn into lost income, recovery expenses and a very uncomfortable conversation with your client. Cyber hygiene helps reduce the likelihood and severity of an attack, but it can’t eliminate the risk entirely. That’s where cyber insurance becomes an important part of the protection strategy.

Brokers, don’t wait until your client’s screen says “CYBER ATTACK” to investigate their coverage. Inspector Comp says it’s time to pull out the magnifying glass and review the policy: first- and third-party coverage, ransomware protection, business interruption and social engineering coverage all deserve a closer look. Good cyber practices help protect the business; the right cyber insurance can help protect the balance sheet when those practices aren’t enough. Case closed? Not until you’ve checked the coverage.
WC WITH AI NOW WITHOUT CAMERAS!

• Manufacturing
• Food Processing
• Warehousing

No cameras to quote. AI reads loss runs, claims patterns, and class code exposure. If a pre-bind survey is required, your client walks the work zone with a phone and snaps a few photos.

Bookmark https://conta.cc/3dSKNAX for your next tough workers' comp account and remember at https://conta.cc/4z5XLPs the Comp Doctor is in 24/7

More info on WC with AI: https://conta.cc/3TZH3Ta

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10/06/2026

OCTOBER 15 IS NATIONAL HANDWASHING DAY

Go ahead. Wash your hands.
Wash away the germs.
Wash away the dirt.
Wash away whatever is on the break-room door handle. But whatever you do…

DON’T WASH YOUR HANDS OF YOUR WORKERS’ COMP!

October 15 is National Handwashing Day, so go ahead and scrub those hands until they’re cleaner than a brand-new audit worksheet. Wash away the germs, the dirt, and whatever was living on that office coffee mug. But when it comes to Workers’ Comp, don’t wash your hands of the tough stuff. High mod? Tough class? Loss history? Lapse? Difficult renewal? “Set it and forget it” might work for a slow cooker, but it’s not much of a strategy for Workers’ Comp. Brokers, got a Workers’ Comp account you’d rather wash your hands of? Don’t. Send it to ToughComp.

ToughComp is built for the accounts that make you want to reach for the soap. Bring us your toughest Workers’ Comp risks and let us put our expertise, markets, and problem-solving to work. Before you tell your client, “There’s nothing we can do,” give ToughComp a shot. You bring the tough risk. We’ll bring the smart solution. Tough Risks. Smart Solutions.

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

Challenging Risks - Real Solutions

We are ToughComp!

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

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10/01/2026

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.

Download Article: https://conta.cc/4ySxp3k

Email [email protected] and let ToughComp take a closer look.

TOUGH RISKS - SMART SOLUTIONS
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Email from ToughComp "", don't forget to check out Inspector Comp Uncovering NYS WC rates are going down an average of 21% on Dr Comp's View on Employer Risks of GLP1 at the workplace!   Get a Quote!

09/30/2026

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 Comp Doctor is in 24/7
at www.askdrcomp.com

TOUGH RISKS - SMART SOLUTIONS
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Email from ToughComp "", don't forget to check out Inspector Comp Uncovering NYS WC rates are going down an average of 21% on Dr Comp's View on Employer Risks of GLP1 at the workplace!   Get a Quote!

09/29/2026

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
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09/24/2026

October is Cybersecurity Awareness Month, a reminder that protecting a business isn’t just the IT department’s job—it’s everyone’s responsibility. The article explains that everyday actions, from the emails employees open and websites they visit to the passwords they create, can either strengthen or weaken an organization’s defenses. It highlights several key areas, including multifactor authentication (MFA), phishing scams, secure internet browsing, VPNs and strong password management, all designed to reduce opportunities for cybercriminals to gain access to company systems and information.

The article also emphasizes that cybersecurity threats continue to evolve, making employee awareness and good habits an important part of an organization’s overall defense. Employees are encouraged to recognize suspicious emails and links, avoid unverified websites and attachments, use approved security tools, protect their credentials, and report unusual activity rather than trying to handle a potential cyberattack themselves. In short, good cybersecurity is about staying alert, using the protections available to you, and recognizing that one careless click can create a much bigger problem.
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?
Not sure about the answers? That may be the biggest answer of all.

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TOUGH RISKS - SMART SOLUTIONS
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Email from ToughComp "", don't forget to check out Dr Comp's on Bridging the WC Gap and Inspector Comp on Cybersecurity Awareness Month   Get a Quote! You may think that workers compensation insurance

09/23/2026

Apparently, some workers’ comp risks come with a “Do Not Enter” sign. High mod? Lapsed coverage? Tough class code? A risk that makes an underwriter suddenly develop a very convenient case of selective hearing? And while some underwriters might say, “We have a bridge to sell you,” Dr. Comp says, “Fine—but I’d rather build one.” Because when the coverage gap gets wide enough, somebody has to figure out how to get the risk across.

At ToughComp, we specialize in helping bridge the space between “We don’t write that” and “Let’s see what we can do.” Tough risks, unusual exposures, difficult accounts and challenging workers’ comp situations are exactly where we like to get involved. So before you assume the gap is too wide, Ask Dr. Comp. We may not be selling bridges—but we’re pretty good at building them.

The Dr is in 24/7 @ www.askdrcomp.com

TOUGH RISKS - SMART SOLUTIONS
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Email from ToughComp "", don't forget to check out Dr Comp's on Bridging the WC Gap and Inspector Comp on Cybersecurity Awareness Month   Get a Quote! You may think that workers compensation insurance

09/22/2026

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

When others see obstacles, ToughComp sees opportunities. We specialize in bridging the workers’ comp gap for tough-to-place risks, high-mod accounts, lapses, unusual exposures, and businesses that don’t fit neatly into the standard market. If the risk is difficult, don’t assume it’s impossible—give us a shot at it.

At ToughComp, we bring experience, access, and persistence to every submission. We connect agents and brokers with workers’ comp solutions when the traditional path hits a dead end. Difficult risks. Hard-to-place accounts. Unique situations. That’s where we do our best work. ToughComp — bridging the workers’ comp gap.

ToughComp — Bridging the Workers’ Comp Gap.

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
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Email from ToughComp "", don't forget to check out Dr Comp's on Bridging the WC Gap and Inspector Comp on Cybersecurity Awareness Month   Get a Quote! You may think that workers compensation insurance

09/17/2026

CASE FILE #006
THE CASE OF THE 5 EMPLOYMENT PRACTICES TRAPS
Inspector Comp has opened a new investigation—and this time, the suspects are hiding in the workplace.
Clue #1: Discrimination
Hiring, pay, promotion or workplace decisions can quickly become allegations of unequal treatment.
Clue #2: Harassment
What one employee calls “just a joke” can become a very serious claim.
Clue #3: Wrongful Termination
Sometimes the biggest problem isn't why someone was fired—it’s whether the company can prove why.
Clue #4: Retaliation
An employee makes a complaint…and suddenly gets written up, demoted or terminated? Inspector Comp is paying attention.
Clue #5: Wrongful Discipline & Promotion Issues
Who gets promoted, who gets disciplined and how those decisions are documented can all become evidence in an employment claim.
INSPECTOR COMP'S VERDICT
You don't need to have done anything wrong to face an EPLI claim. You may still have to defend yourself. EPLI can help address covered employment-related claims and the legal costs associated with defending them, but policy terms, exclusions and coverage limits matter.
Don't wait for an employee lawsuit to become your next case file.
Inspect your exposure. Review your EPLI. Protect your business.
Inspector Comp — Case Closed? Not Until We Check the Policy.

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TOUGH RISKS - SMART SOLUTIONS
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Email from ToughComp "", don't forget to check out Dr Comp's annual back to school WC physical Inspector Comp's article about the 5 Common Sources of Employment Practices Liability Insurance Claims