Agent Resources

Do you want a top-of-the-line work comp solution for your construction business and the ability to lessen your burdens so you can focus on running it? We know the construction industry like your favorite pair of work gloves. We specialize in providing our Members with the most comprehensive, specialized work comp solutions through our group self-insured fund. When you partner with us, you’re partnering with people who truly understand and help meet your needs. How? Because as a self-insured fund, our Members can control their claims costs, learn and apply safer on-site practices, and take advantage of our flexible payment options. TBG provides all the safety services and customized support you could want. Our team fosters a culture built on injury prevention, which keeps work moving forward and sends your team home safely to their families. TBG is the trusted work comp provider for member contractors, builders, remodelers, subcontractors, and suppliers seeking the most practical and cost-effective solutions for workers’ compensation. We’re the #1 self-insured construction workers’ comp fund exclusive to the construction trades, representing 660+ construction companies in Minnesota and insuring nearly 38,000 Minnesota construction workers. Since 1997, our financial health and well-being have never been better than they are right now. We have grown from $450,000 in premiums in 1997 to nearly $50,000,000 in 2023 and are positioned well for our future and any challenges that arise. Since the day our fund began, we have never assessed our Members, and we are actively paying dividends, providing something you rarely see from traditional workers’ comp providers – a financial return on investment.

Our commitment to you doesn’t stop at the Minnesota border. We offer the best-in-class workers’ comp solutions and hands-on, dedicated support beyond state lines. TBG’s initiative ensures that Minnesota’s construction industry coverage isn’t limited by state lines, extending our top-tier workers’ comp insurance wherever their projects take them. Why Is It Important? With our Cross Border Coverage, we eliminate the exposure Minnesota Members face when how work gets done across state lines has changed, so they no longer have to dip in the assigned risk pool or venture away from TBG. With our Cross Border Coverage, you always travel with the work comp coverage that works for you.

Who Needs Cross-Border Coverage?

Remote and telecommuting workers

Traveling employees

Handling cross-border claims

If you have clients who work across state lines and need workers’ comp coverage, contact your TBG underwriter for a quote.

Navigating the maritime legal landscape can be as tricky as steering through choppy waters. The U.S. Longshore and Harbor Workers’ Compensation Act (USL&H), commonly referred to as the Longshore Act, is a law that construction-related Employers can often overlook. This federal law provides compensation to workers injured on or near navigable waters. If you act as an insurance agent for businesses that operate in proximity to navigable waterways, this coverage isn’t just recommended; it may be a legal requirement. While many might assume that the Longshore Act only applies to businesses directly involved in shipping or water transportation, that’s a misconception. The reality is that many types of businesses have potential USL&H exposure (potential obligations under the Act). Understanding the complexities of this federal law and the vulnerabilities it presents, TBG has teamed up with The American Equity Underwriters, Inc. This partnership aims to provide TBG members and subcontractors with a specialized USL&H program tailored to meet their needs. Ignoring the Longshore Act can come at a hefty cost. Employers lacking this coverage could face penalties that include:

Fines of up to $10,000

Potential imprisonment

Personal liability for corporate officers for any unpaid benefits (there is no corporate veil)

Additional tort liability in excess of the Longshore benefits

Agent USL&H Coverage

Member USL&H Coverage a href="http://tbgmn.com/wp-content/uploads/2025/04/Member-USLH-Onesheet-Digital.pdf" target="_blank">View Document

BG USL&H Program – Exclusive to TBG-appointed Agents to offer to any of your clients.
TBG is now providing USL&H coverage for our TBG-appointed Agents. The U.S. Longshore and Harbor Workers’ Compensation Act (known as the Longshore Act, or USL&H) is a federal law that provides benefits to workers injured while working on or near navigable waterways. TBG has partnered with The American Equity Underwriters, Inc. to provide USL&H coverage that is designed specifically for any of your clients. If you have clients who have USL&H coverage, need coverage, or have had to pay a 10K minimum premium, contact your TBG underwriter for a quote.

Agent USL&H Coverage View Document

Incidental Longshoreman and Harbor Workers’ Compensation Application View Document

TTBG USL&H Agent Webinar Training Sept 2023 Watch Webinar

With our proactive approach to claims management, you get peace of mind knowing that your claims are handled quickly and that you have greater control over your workers’ compensation expenses. We’ve developed a proactive approach to claims management that delivers personal, compassionate attention — helping the injured worker get the right care at the right time and return to work as soon as possible while providing the highest quality of care. It also lets your workers know they are important and that their health and safety are your top priority, resulting in a happy and productive workforce. What makes our Claims Services work so well for our Members is the extensive experience our claims team has working with the medical community. We have long-term employees who have spent many years working with not just great doctors but the right doctors. So there is never any doubt that your workers are getting the right level of care — which helps reduce the duration of the injuries. This is good for the workers because it helps return them to pre-injury health faster, which is also good for the company.

As the #1 self-insured workers’ compensation fund in Minnesota exclusive to the construction trades, we have a vested interest in ensuring the speed and accuracy of our claims, so you know that we are always doing our best to make claim services work for you.

Low Caseload Per Claims Specialist

Experienced Claims Management Team

24/7 NurseCare Hotline

Dedicated Claims Specialist for every account

View Document

We understand workplace injuries can occur any time of the day, any day of the year. When accidents happen on the job, the severity of injuries and the best course of action aren't sometimes immediately clear. That's why TBG offers our complimentary TBG NurseCare Hotline to our Members, providing 24/7 access to professional medical advice and reporting. This service accurately assesses workplace injuries and ensures the right care level is provided, improving outcomes while reducing workers' compensation injury costs. When necessary, the NurseCare Hotline will refer you to the most effective medical care to ensure you get the right care at the right time. (This does not replace submitting a FROI.)

WHY THE NURSECARE HOTLINE?
In the construction trades, most workers have the attitude that they can simply "tough out" an injury to remain on the job. However, research shows that 40% of calls made to the NurseCare Hotline result in self-care, allowing the worker to return to work immediately with the peace of mind that they've taken the appropriate steps. The NurseCare Hotline ensures workers get the appropriate care for injuries and streamlines the reporting process, eliminating problems with claims. When we use the NurseCare Hotline, we're all doing our part to assure worker safety, lower work comp claims, and protect our future.

ALWAYS CALL 911 FIRST FOR ANY LIFE-THREATENING SITUATION.

Although NurseCare Hotline is staffed with medical professionals, they can’t save your life over the phone. So let’s be smart. Call 911 if symptoms include:

Choking

Severe bleeding

Chest pain or discomfort

Seizure or convulsions

Off balance or unable to walk

Unconsciousness or disorientation

Hot, dry skin

Profuse sweating

Severe abdominal pain

Difficulty breathing

Any other medical condition you feel is an emergency

If 911 is called, the employee or supervisor can call the NurseCare Hotline after the incident to report the injury.

TBG offers a “Pay-As-You-Go” option for paying workers’ compensation based on reporting your actual payroll from the previous month. This practical approach to calculating monthly premiums allows members to pay premiums according to their cash flow. Pay-As-You-Go premiums are a great fit for the construction industry. It helps free up cash flow, allowing members to make payroll, cover expenses, purchase materials, pay subcontractors and vendors, and respond to unforeseen issues quickly. This is making workers’ comp work for you.

Online Payment Center
Another way TBG simplifies workers’ comp is by offering a secure online portal for reporting monthly payroll and paying premiums. It’s easy, straightforward, and secure.

Cash Flow Control

Lower Fixed Costs Than Competitors

Online Payment Center