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[Tweet](https://twitter.com/share) [![](https://www.myknowledgebroker.com/hubfs/86145withpirate.jpg) ](https://www.myknowledgebroker.com/focus-construction/a-contractors-newest-threat-or-opportunity-cyber-insurance) Caution is often the reaction I get when discussing Cyber Insurance to construction executives in Wisconsin. From their perspective it would be a nice policy to have should the North Koreans focus their slave hacking force on a plumber in Sheboygan. The resulting ransom of 200 bitcoin for their $200 laptop seems a laughable prospect to a field that generally isn’t tech reliant. The truth, however, is that contractors are a growing target for hackers, but ***fear* **isn’t the only reason for a contractor to have Cyber Insurance. [Read More](https://www.myknowledgebroker.com/focus-construction/a-contractors-newest-threat-or-opportunity-cyber-insurance) Topics: [Cyber](https://www.myknowledgebroker.com/focus-construction/topic/cyber) ## [Loss Control Resources & Services](https://www.myknowledgebroker.com/focus-construction/bid/184533/loss-control-resources-services) Posted by [Dan Scheider](https://www.myknowledgebroker.com/focus-construction/author/dan-scheider) - [Tweet](https://twitter.com/share) [![](https://www.myknowledgebroker.com/hs-fs/file-239053043-jpg/images/o--all_marketing-campaign_files-focus_on_risk_management-construction_in_action_130-resized-600.jpg) ](https://www.myknowledgebroker.com/focus-construction/bid/184533/loss-control-resources-services) ## Issue R&R Insurance loss control consultant [John Brengosz ](https://www.myknowledgebroker.com/whoweare/john_brengosz.html/)brings more than 30 years of safety/loss control expertise to R&R clients. John provides safety training, jobsite visits, OSHA training, and is a resource to clients on a variety of additional issues. [Read More](https://www.myknowledgebroker.com/focus-construction/bid/184533/loss-control-resources-services) Topics: [FOCUS on Risk Management](https://www.myknowledgebroker.com/focus-construction/topic/focus-on-risk-management), [R&R Insurance](https://www.myknowledgebroker.com/focus-construction/topic/rr-insurance), [Loss Control](https://www.myknowledgebroker.com/focus-construction/topic/loss-control), [Loss Prevention](https://www.myknowledgebroker.com/focus-construction/topic/loss-prevention), [OSHA](https://www.myknowledgebroker.com/focus-construction/topic/osha), [Construction](https://www.myknowledgebroker.com/focus-construction/topic/construction-and-sub-contractor-topics) ## [Client Advocacy on Problem Non-WC Claims](https://www.myknowledgebroker.com/focus-construction/bid/184531/client-advocacy-on-problem-non-wc-claims) Posted by [Dan Scheider](https://www.myknowledgebroker.com/focus-construction/author/dan-scheider) - [Tweet](https://twitter.com/share) [![](https://www.myknowledgebroker.com/hs-fs/file-239053043-jpg/images/o--all_marketing-campaign_files-focus_on_risk_management-construction_in_action_130-resized-600.jpg) ](https://www.myknowledgebroker.com/focus-construction/bid/184531/client-advocacy-on-problem-non-wc-claims) ## Issue Providing technical knowledge, coverage analysis, and carrier interaction to advocate the client’s interest on problem claims [Read More](https://www.myknowledgebroker.com/focus-construction/bid/184531/client-advocacy-on-problem-non-wc-claims) Topics: [FOCUS on Risk Management](https://www.myknowledgebroker.com/focus-construction/topic/focus-on-risk-management), [R&R Insurance](https://www.myknowledgebroker.com/focus-construction/topic/rr-insurance), [Claims](https://www.myknowledgebroker.com/focus-construction/topic/claims), [Claim Management](https://www.myknowledgebroker.com/focus-construction/topic/claim-management), [Work Comp](https://www.myknowledgebroker.com/focus-construction/topic/work-comp), [Construction](https://www.myknowledgebroker.com/focus-construction/topic/construction-and-sub-contractor-topics) ## [Risk Management Seminars & Webinars](https://www.myknowledgebroker.com/focus-construction/bid/184527/risk-management-seminars-webinars) Posted by [Dan Scheider](https://www.myknowledgebroker.com/focus-construction/author/dan-scheider) - [Tweet](https://twitter.com/share) [![](https://www.myknowledgebroker.com/hs-fs/file-239053043-jpg/images/o--all_marketing-campaign_files-focus_on_risk_management-construction_in_action_130-resized-600.jpg) ](https://www.myknowledgebroker.com/focus-construction/bid/184527/risk-management-seminars-webinars) ## Issue R&R Insurance sponsors 4-6 risk management seminars each year for our clients. In addition to the seminar schedule, webinars are available in specialized areas of interest. Please visit [our website](https://www.myknowledgebroker.com/resource-center/seminars-and-events/) for upcoming seminars and webinars. [Read More](https://www.myknowledgebroker.com/focus-construction/bid/184527/risk-management-seminars-webinars) Topics: [FOCUS on Risk Management](https://www.myknowledgebroker.com/focus-construction/topic/focus-on-risk-management), [R&R Insurance](https://www.myknowledgebroker.com/focus-construction/topic/rr-insurance), [Risk Management](https://www.myknowledgebroker.com/focus-construction/topic/risk-management), [Construction](https://www.myknowledgebroker.com/focus-construction/topic/construction-and-sub-contractor-topics) ## [Workers Comp Claim Process: Customized WC Claim Kits](https://www.myknowledgebroker.com/focus-construction/bid/184520/workers-comp-claim-process-customized-wc-claim-kits) Posted by [Dan Scheider](https://www.myknowledgebroker.com/focus-construction/author/dan-scheider) - [Tweet](https://twitter.com/share) [![](https://www.myknowledgebroker.com/hs-fs/file-239053043-jpg/images/o--all_marketing-campaign_files-focus_on_risk_management-construction_in_action_130-resized-600.jpg) ](https://www.myknowledgebroker.com/focus-construction/bid/184520/workers-comp-claim-process-customized-wc-claim-kits) ## Issue R&R can provide clients with customized WC claim kits which include the following components: [Read More](https://www.myknowledgebroker.com/focus-construction/bid/184520/workers-comp-claim-process-customized-wc-claim-kits) Topics: [FOCUS on Risk Management](https://www.myknowledgebroker.com/focus-construction/topic/focus-on-risk-management), [R&R Insurance](https://www.myknowledgebroker.com/focus-construction/topic/rr-insurance), [Risk Management](https://www.myknowledgebroker.com/focus-construction/topic/risk-management), [Claims](https://www.myknowledgebroker.com/focus-construction/topic/claims), [Claim Management](https://www.myknowledgebroker.com/focus-construction/topic/claim-management), [Workers' Compensation](https://www.myknowledgebroker.com/focus-construction/topic/workers39-compensation), [Workers Compensation](https://www.myknowledgebroker.com/focus-construction/topic/workers-compensation), [Work Comp](https://www.myknowledgebroker.com/focus-construction/topic/work-comp), [Workplace Safety](https://www.myknowledgebroker.com/focus-construction/topic/workplace-safety), [Construction](https://www.myknowledgebroker.com/focus-construction/topic/construction-and-sub-contractor-topics) ## [“Providing a Service” vs “Selling a Product”](https://www.myknowledgebroker.com/focus-construction/bid/184510/providing-a-service-vs-selling-a-product) Posted by [Dan Scheider](https://www.myknowledgebroker.com/focus-construction/author/dan-scheider) - [Tweet](https://twitter.com/share) [![](https://www.myknowledgebroker.com/hs-fs/file-239053043-jpg/images/o--all_marketing-campaign_files-focus_on_risk_management-construction_in_action_130-resized-600.jpg) ](https://www.myknowledgebroker.com/focus-construction/bid/184510/providing-a-service-vs-selling-a-product) ## Issue We view our responsibility to “providing a service” to our clients, rather than the “selling of a product”. Providing a service is a 12 month commitment, while selling a product frequently is not a 12 month commitment. Does your current agent/broker view the insurance placement as the end of the process or the beginning of a 12 month commitment? [Read More](https://www.myknowledgebroker.com/focus-construction/bid/184510/providing-a-service-vs-selling-a-product) Topics: [FOCUS on Risk Management](https://www.myknowledgebroker.com/focus-construction/topic/focus-on-risk-management), [R&R Insurance](https://www.myknowledgebroker.com/focus-construction/topic/rr-insurance), [Risk Management](https://www.myknowledgebroker.com/focus-construction/topic/risk-management), [Resources](https://www.myknowledgebroker.com/focus-construction/topic/resources), [Construction](https://www.myknowledgebroker.com/focus-construction/topic/construction-and-sub-contractor-topics) ## [Reducing the Experience Modification Factor](https://www.myknowledgebroker.com/focus-construction/bid/184505/reducing-the-experience-modification-factor) Posted by [Dan Scheider](https://www.myknowledgebroker.com/focus-construction/author/dan-scheider) - [Tweet](https://twitter.com/share) [![](https://www.myknowledgebroker.com/hs-fs/file-239053043-jpg/images/o--all_marketing-campaign_files-focus_on_risk_management-construction_in_action_130-resized-600.jpg) ](https://www.myknowledgebroker.com/focus-construction/bid/184505/reducing-the-experience-modification-factor) ## Issue Utilizing technical knowledge of the variables affecting the EMF to reduce the client’s Experience Modification Factor. [Read More](https://www.myknowledgebroker.com/focus-construction/bid/184505/reducing-the-experience-modification-factor) Topics: [FOCUS on Risk Management](https://www.myknowledgebroker.com/focus-construction/topic/focus-on-risk-management), [Risk Management](https://www.myknowledgebroker.com/focus-construction/topic/risk-management), [R&R Insurance Services](https://www.myknowledgebroker.com/focus-construction/topic/rr-insurance-services), [Experience MOD](https://www.myknowledgebroker.com/focus-construction/topic/experience-mod), [MOD](https://www.myknowledgebroker.com/focus-construction/topic/mod), [Construction](https://www.myknowledgebroker.com/focus-construction/topic/construction-and-sub-contractor-topics) ## [Eliminating “Conflict of Interest” in Commission Based Compensation](https://www.myknowledgebroker.com/focus-construction/bid/184504/eliminating-conflict-of-interest-in-commission-based-compensation) Posted by [Dan Scheider](https://www.myknowledgebroker.com/focus-construction/author/dan-scheider) - [Tweet](https://twitter.com/share) [![](https://www.myknowledgebroker.com/hs-fs/file-239053043-jpg/images/o--all_marketing-campaign_files-focus_on_risk_management-construction_in_action_130-resized-600.jpg) ](https://www.myknowledgebroker.com/focus-construction/bid/184504/eliminating-conflict-of-interest-in-commission-based-compensation) ## Issue Commission based compensation can create an inherit “*conflict of interest*” in that agency compensation will increase commensurate with premium increases received by the insured. Also noteworthy is the fact that carriers quotes can vary greatly in terms of the commission percentage. These issues, if not addressed in a professional manner, can result in the insured questioning whether the current broker is working in the insured’s best interests. [Read More](https://www.myknowledgebroker.com/focus-construction/bid/184504/eliminating-conflict-of-interest-in-commission-based-compensation) Topics: [FOCUS on Risk Management](https://www.myknowledgebroker.com/focus-construction/topic/focus-on-risk-management), [Risk Management](https://www.myknowledgebroker.com/focus-construction/topic/risk-management), [R&R Insurance Services](https://www.myknowledgebroker.com/focus-construction/topic/rr-insurance-services), [Construction](https://www.myknowledgebroker.com/focus-construction/topic/construction-and-sub-contractor-topics) ## [Contractual Risk Transfer: Requirements for Contractors Working on Client’s Premises](https://www.myknowledgebroker.com/focus-construction/bid/184503/contractual-risk-transfer-requirements-for-contractors-working-on-client-s-premises) Posted by [Dan Scheider](https://www.myknowledgebroker.com/focus-construction/author/dan-scheider) - [Tweet](https://twitter.com/share) [![](https://www.myknowledgebroker.com/hs-fs/file-239053043-jpg/images/o--all_marketing-campaign_files-focus_on_risk_management-construction_in_action_130-resized-600.jpg) ](https://www.myknowledgebroker.com/focus-construction/bid/184503/contractual-risk-transfer-requirements-for-contractors-working-on-client-s-premises) ## Issue A servicing contractor’s (roofing company) employee while working on the client’s premises falls from an elevated work station. We work with clients to structure their contractual relationship with servicing contractors so that the financial consequences of this accident will remain with the servicing contractor’s insurance program and not affect our client. [Read More](https://www.myknowledgebroker.com/focus-construction/bid/184503/contractual-risk-transfer-requirements-for-contractors-working-on-client-s-premises) Topics: [FOCUS on Risk Management](https://www.myknowledgebroker.com/focus-construction/topic/focus-on-risk-management), [Risk Management](https://www.myknowledgebroker.com/focus-construction/topic/risk-management), [R&R Insurance Services](https://www.myknowledgebroker.com/focus-construction/topic/rr-insurance-services), [Construction](https://www.myknowledgebroker.com/focus-construction/topic/construction-and-sub-contractor-topics) ## [Contractual Risk Transfer: Establishing Subcontractor's Insurance Requirements](https://www.myknowledgebroker.com/focus-construction/bid/184502/contractual-risk-transfer-establishing-subcontractor-s-insurance-requirements) Posted by [Dan Scheider](https://www.myknowledgebroker.com/focus-construction/author/dan-scheider) - [Tweet](https://twitter.com/share) [![](https://www.myknowledgebroker.com/hs-fs/file-239053043-jpg/images/o--all_marketing-campaign_files-focus_on_risk_management-construction_in_action_130-resized-600.jpg) ](https://www.myknowledgebroker.com/focus-construction/bid/184502/contractual-risk-transfer-establishing-subcontractor-s-insurance-requirements) ## Issue Work with clients to review their subcontractor agreement with respect to the insurance requirements and indemnification language, with the goal to equitably allocate risk between the client and their subcontractors. 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