--- title: FOCUS Construction (2) description: FOCUS on Risk Management is a blog from R&R Insurance providing valuable information about Risk Management, Risk Transfer and Insurance related topics. 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[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) ## [Acting in the Client’s Best Interest](https://www.myknowledgebroker.com/focus-construction/bid/184511/acting-in-the-client-s-best-interest) Posted by [Tom Scheider](https://www.myknowledgebroker.com/focus-construction/author/tom-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/184511/acting-in-the-client-s-best-interest) ## Issue “TRUST” is the most important variable in any relationship, business or personal. With regard to a client’s risk management and business insurance, that “TRUST” relates to acting in a competent manner and in the client’s best interests. [Read More](https://www.myknowledgebroker.com/focus-construction/bid/184511/acting-in-the-client-s-best-interest) 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), [Business Insurance](https://www.myknowledgebroker.com/focus-construction/topic/business-insurance), [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) ## [Verifying Accuracy of Carrier’s Policy Audits](https://www.myknowledgebroker.com/focus-construction/bid/184509/verifying-accuracy-of-carrier-s-policy-audits) Posted by [Tom Scheider](https://www.myknowledgebroker.com/focus-construction/author/tom-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/184509/verifying-accuracy-of-carrier-s-policy-audits) ## Issue A formal review is made of the policy period audits (CGL/Auto/WC) to verify the audit variables as accurate and to identify errors/discrepancies. Audit disputes are documented and presented to the carrier for discussion/correction. [Read More](https://www.myknowledgebroker.com/focus-construction/bid/184509/verifying-accuracy-of-carrier-s-policy-audits) 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) ## [Resolving Retro Disputes](https://www.myknowledgebroker.com/focus-construction/bid/184508/resolving-retro-disputes) Posted by [Tom Scheider](https://www.myknowledgebroker.com/focus-construction/author/tom-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/184508/resolving-retro-disputes) ## Case Study Dispute relating to a multi-year retrospective rated program (CGL/Auto/WC). Issues involved errors in the carrier’s claim handling and subrogation efforts that affected client’s experience rating. A 6 month project involved researching multiple policy periods, documenting errors, estimated increased insurance costs attributable to inflated loss ratios, presentation, and negotiation with the carrier. [Read More](https://www.myknowledgebroker.com/focus-construction/bid/184508/resolving-retro-disputes) 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), [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. [Read More](https://www.myknowledgebroker.com/focus-construction/bid/184502/contractual-risk-transfer-establishing-subcontractor-s-insurance-requirements) 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: Contract Review Services](https://www.myknowledgebroker.com/focus-construction/bid/184501/contractual-risk-transfer-contract-review-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/184501/contractual-risk-transfer-contract-review-services) ## Issue Review, analyze, and respond to contract insurance requirements and indemnification provisions. [Read More](https://www.myknowledgebroker.com/focus-construction/bid/184501/contractual-risk-transfer-contract-review-services) 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) [Previous](https://www.myknowledgebroker.com/focus-construction/page/1) [All posts](https://www.myknowledgebroker.com/focus-construction/all) [Next](https://www.myknowledgebroker.com/focus-construction/page/3) ### Subscribe to Email Updates ### Recent Posts ### Posts by Topic - [Construction (24)](https://www.myknowledgebroker.com/focus-construction/topic/construction-and-sub-contractor-topics) - [FOCUS on Risk Management (23)](https://www.myknowledgebroker.com/focus-construction/topic/focus-on-risk-management) - [Risk Management (19)](https://www.myknowledgebroker.com/focus-construction/topic/risk-management) - [R&R Insurance (15)](https://www.myknowledgebroker.com/focus-construction/topic/rr-insurance) - [R&R Insurance Services (8)](https://www.myknowledgebroker.com/focus-construction/topic/rr-insurance-services) - [Claim Management (7)](https://www.myknowledgebroker.com/focus-construction/topic/claim-management) - [Claims (7)](https://www.myknowledgebroker.com/focus-construction/topic/claims) - [Work Comp (6)](https://www.myknowledgebroker.com/focus-construction/topic/work-comp) - [Workers Compensation (2)](https://www.myknowledgebroker.com/focus-construction/topic/workers-compensation) - [Business Insurance (1)](https://www.myknowledgebroker.com/focus-construction/topic/business-insurance) - [Cyber (1)](https://www.myknowledgebroker.com/focus-construction/topic/cyber) - [Experience MOD (1)](https://www.myknowledgebroker.com/focus-construction/topic/experience-mod) - [Fleet Safety (1)](https://www.myknowledgebroker.com/focus-construction/topic/fleet-safety) - [Loss Control (1)](https://www.myknowledgebroker.com/focus-construction/topic/loss-control) - [Loss Prevention (1)](https://www.myknowledgebroker.com/focus-construction/topic/loss-prevention) - [MOD (1)](https://www.myknowledgebroker.com/focus-construction/topic/mod) - [OSHA (1)](https://www.myknowledgebroker.com/focus-construction/topic/osha) - [Resources (1)](https://www.myknowledgebroker.com/focus-construction/topic/resources) - [Workers' Compensation (1)](https://www.myknowledgebroker.com/focus-construction/topic/workers39-compensation) - [Workplace Safety (1)](https://www.myknowledgebroker.com/focus-construction/topic/workplace-safety) [see all](https://www.myknowledgebroker.com/focus-construction/page/2#) ![R&R Insurance - The Knowledge Brokers](https://www.myknowledgebroker.com/hs-fs/hubfs/images-v2/rr-logo-wide.png?width=253&name=rr-logo-wide.png "R&R Insurance - The Knowledge Brokers") - [Home](https://www.myknowledgebroker.com) - [About Us](https://www.myknowledgebroker.com/about-us) - [Contact Us](https://www.myknowledgebroker.com/about-us/contact-us) - [Careers](https://www.myknowledgebroker.com/about-us/careers) - [p: 800.566.7007](http://tel:+18005667007) Waukesha Office | N14 W23900 Stone Ridge Drive | Waukesha, WI 53188 | [262.574.7000](tel:+12625747000) | [Get Directions](https://www.myknowledgebroker.com/about-us/office-locations) AFTER HOURS CLAIMS | [PHONE: 828.539.4574](tel:+12625747000) | EMERGENCY CLAIM CALLS ONLY PLEASE ©2021 All Rights Reserved. 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