Agent FAQs

What is the Drug Testing Credit, and what is required to qualify a member to receive this credit?

TBG’s Drug Testing Credit consists of a 3% credit if a company is doing Pre-hire and Post-accident testing. The enrollment form is available on the agency secure website and can be applied for at any time.


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What is the UCWCP credit, and how does a member enroll?

The Union Construction Workers’ Compensation Program (UCWCP) is a form of collective bargaining agreement to control the costs of managing and properly closing claims for union construction companies. TBG gives a 5% credit for union construction companies enrolled in this program! Enrollment is handled by contacting Kevin Gregerson at Wilson-McShane Corp. at (952) 851-3462, by email at, or through their website at


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What is the procedure for handling a Certificate of Employer’s Liability request through TBG?

The Builders Group has purchased an insurance policy through Midwest Employers Casualty Company to cover Part B, Employers’ Liability coverage for our Members.Please use the following information when issuing a Certificate of Liability Insurance:

Midwest Employers Casualty Company

Policy # EWC010188

NAIC #: 23612 A.M.

Best Rating: A+, XV

This process is for all of our Members who may need an ‘A’ rated’ carrier to meet the requirements of their contracts and umbrella carriers. If you have any questions about this procedure, please don’t hesitate to call your underwriter.


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When is a Member eligible to receive their first dividend?

First of all, remember that dividends are not guaranteed! TBG’s Board of Directors will declare a dividend if they believe it makes sense to do so. A TBG Member in good standing may qualify for their first dividend after their third year in the fund. Additional monies available for an individual fund year will be distributed by the Board over a period of three years in order to allow liabilities to properly develop for the fund.


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How is the premium payment and 20% security deposit handled for $5000 minimum premium Members?

All TBG minimum premium members will be required to pay the $5,000 premium up front as an annual premium. There will be no security deposit required.


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What is TBG’s Waiver of Subrogation policy?

Waiver of subrogation fees are charges based on the following schedule:

  • Service Job – one day or less = N/C
  • Single Project = $100
  • Ongoing Project = $300
  • Annual Maximum = $1,500


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