Contractor Resource Center

The Resource Center

Plain-English guides on the coverage that actually affects contractors and trades. Browse by topic, or start with one of the free downloads below.

EMR and X-Mod, payroll audits, return-to-work, and safety programs. Our deepest coverage area, with the full mechanics explained.

General Liability, Builders Risk, Inland Marine, Cyber, Umbrella, and the coverages that let you bid, win, and keep working.

Additional Insured, Waiver of Subrogation, Primary and Non-Contributory, and the COI mistakes that hold up your payment.

The complete guide to how your mod is calculated, what moves it, and how contractors use it to win more work. No quote request required.

See where your own X-Mod stands. Send your worksheet and loss runs and a licensed advisor reviews it by hand, no automated output.