How to Engage Your Medical Provider Network (MPN)
Learn how to engage your Medical Provider Network, train supervisors, guide injured employees to care, and support a smoother return-to-work process.
Morris & Garritano offers specialized Builders Risk insurance tailored to the unique challenges of construction projects. Our coverage is designed to protect your project from start to finish, ensuring that your investment is secure against potential risks such as fire, theft, and natural disasters. With our deep understanding of the construction industry, we provide customized solutions that allow you to focus on completing your project with confidence.
Coverage Highlights
Our specialized and tailored Builders Risk insurance policies are designed to provide robust protection for construction projects, ensuring your investment is secure from start to finish.
- Project-Specific Coverage
- Protection Against Common Risks
- Materials and Equipment Coverage
- Flexible Policy Options
Tailored Coverage for New Construction
Our Builders Risk insurance provides customized protection for new construction projects, addressing the specific risks involved in each phase of the build. Whether you’re working on a residential or commercial project, we ensure that your investment is covered from the ground up.
Protection for Renovations and Remodels
We offer specialized coverage for renovation and remodeling projects, safeguarding your efforts against unforeseen challenges. Our solutions are designed to protect your work, materials, and equipment, allowing you to focus on transforming spaces with peace of mind.
View Construction Booklet
Learn more about Morris & Garritano’s Construction Practice Group, the specialized coverages and services we offer, and how we provide peace of mind to our Construction clients.
What “covered” should feel like.
Related Articles
What’s Driving General Liability and Umbrella Insurance Rates - and What Businesses Can Do About It
General liability and umbrella insurance rates remain under pressure as social inflation, larger jury awards, and rising claim costs reshape the liability landscape. Learn what’s driving these increases and the steps businesses can take to strengthen their risk management programs.
Beyond the COI: A Practical Approach to Contractual Risk Transfer
Effective contractual risk transfer goes beyond collecting COIs. Strong agreements, appropriate insurance requirements, and supporting endorsements help businesses manage vendor, contractor, and third-party risks with greater confidence.
What’s Driving Commercial Auto Insurance Rates - and What Businesses Can Do About It
Commercial auto insurance rates continue to climb due to rising claim costs, social inflation, distracted driving, and expensive vehicle repairs. Learn what's driving the market and the fleet safety strategies businesses can use to better manage risk.
Class Code 5606: When Contractors Can, and Cannot, Use It
Understand Class Code 5606 eligibility, avoid workers’ compensation misclassification, and reduce the risk of unexpected premium adjustments at audit.
Frequency vs. Severity: Which Has a Bigger Impact on Your ExMod?
Does claim frequency impact your ExMod more than claim severity? Learn how the WCIRB experience rating formula works and why multiple small claims can affect workers' compensation premiums more than fewer large claims.
Cal/OSHA’s Top 10 Workplace Safety Violations
A safety violation doesn’t have to involve a major accident to have a meaningful impact on your business. Each year, Cal/OSHA identifies the workplace safety standards most frequently cited for violations in the prior year. Here are the Top 10 for 2025—and what employers can learn from them.
2026 Workers Compensation Annual Update for Officer/Owner Payroll and Dual Wage Thresholds
Each year, the WCIRB (Workers' Compensation Insurance Rating Bureau) reviews and updates Dual Wage Thresholds and Minimum/Maximum Payroll requirements for Executive Officers & Owners. This announcement is to keep you informed about key updates that could impact your workers’ compensation coverage.
$14,170 in Returned Premium Due to Xmod Recalculation
Behind every workers' compensation claim is an opportunity to protect your bottom line. See how our claims experts uncovered an experience modification error and helped a client recover $14,170 in returned premium - without any additional work or stress for the client.
