Blog

NCCI’s Elimination of Anniversary Rating Date –
What it Means for You

Way back in July of 2015, the National Council on Compensation Insurance (NCCI) made a decision to eliminate employers’ Anniversary Rating Date (ARD) beginning May 1, 2017. Historically, the ARD was designed to control the effective period for an employer’s workers’ compensation rates and experience modification factor.

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Damage To Your Work Exclusion:
A Common Construction Claim Scenario

Damage to your work policy

The following is a common claim scenario for our general contractor and subcontractor clients: A general contractor hires a subcontractor to complete work on the construction of a building. A few years after the construction is completed, the building owner alleges there are defects in the construction, and makes a claim against the general contractor. The sole focus of the claim is the work of the subcontractor. The allegedly defective work did not cause damage to any other part of the building.

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