of Arizona construction companies have an error in their Experience Modification Rate
EMR (your workers comp rate modifier) errors inflate your workers comp premium by 15–40%. We find them — and fix them — in 24 hours, free, with no obligation to switch anything.
Send or upload your current policy — a licensed DANESURE broker reviews it and sends your Cost & Risk Report within 24 hours. No portal login required.
Prefer email? Send your dec page to review@danesure.com
No credit card. No obligation. As your broker, we work for your interests — not the insurance company’s. We shop 100+ carriers for the best coverage at the best price.
Most brokers never look under the hood. We do — and what we find usually surprises contractors who thought everything was fine.
Your Experience Modification Rate is calculated from claims data that's often wrong — open claims that should be closed, misclassified incidents, stale data from prior carriers. Every point of EMR error costs you real premium dollars.
Are the certificates of insurance you're collecting from subs actually protecting you? Many subs carry minimum limits, wrong additional-insured language, or policies that exclude your job type. If they have a claim on your site, it may land on you.
With Phoenix construction materials costs up sharply since 2021, many builder's risk policies are insuring projects at values set years ago. Underinsurance means a partial loss can be paid at cents on the dollar.
We pull your EMR data, review your workers comp classifications, check sub liability requirements, and compare your limits to current Phoenix market benchmarks. If we find errors — and 70% of the time we do — we show you exactly what they're costing you.
With Phoenix's $35.9B construction economy and 40+ new TSMC supplier firms arriving since 2021, the market has moved fast. Workers comp is stable to –3% right now — meaning there's real money to recover if your EMR is wrong.