Resources to Make Worker’s Comp Work for You:


Enrollment Forms

We’re glad to have you on our team. As an agent for TBG, you understand the construction industry and the nuances of a self-insured group like nobody else. Here is everything you need to get started on your client’s membership with TBG, including:

Enrollment Package

From Agent Checklist to Subcontractor Requirements – all the forms you need
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Take a moment to learn about The Builder Group’s policies. From our Plan of Action & Bylaws to our Waiver of Subrogation, here is everything you need to get sharp on the fine print of your TBG membership.



Navigating your TBG Wokers’ Comp plan should be intuitive and easy, but if you have any questions, please don’t hesitate to get in touch with your underwriter. Here are the procedures and expectations for established or new businesses joining The Builders Group.



Your business may qualify for a number of credits or compensations on your workers’ comp premiums. Find out if you can take advantage of these discounts or familiarize yourself with the requirements for establishing qualified programs for potential discounts.

Drug Program Credit

Promoting a drug-free workplace may reduce premiums by up to 3% for an Employer who has certified that they have established a qualified Drug Testing Program or implemented a Reasonable Suspicion/Fit-For-Duty program.  Qualification for the Drug Program credit consists of working with an outside administrator who would establish a written policy/program and would provide an ongoing process which must include pre-employment and post-accident testing for the Drug Testing Program or the Reasonable Suspicion program supervisors overseeing employees subjected to testing must undergo reasonable suspicion awareness training via a TBG-approved 3rd party vendor before credit approval. Supervisor training must be completed before enacting the credit.

Certification is required each year in which a premium credit is applied. The member’s agreement may be subject to an additional premium if it is determined that the member misrepresented its compliance with a drug testing program. 

CPAP Credit Policy

The Minnesota Contractors Premium Adjustment Program (MCPAP) provides a potential premium credit based on the employee’s average hourly wages. This is an optional program that eligible contractors can elect to participate in.

Once a contractor joins a self-insured group, the MWCIA no longer calculates their MCPAP credit. However, TBG recognizes the MCPAP credit and applies it to their work comp agreement in the form of a CPAP credit. This credit is not calculated annually but continues with the contractor for the duration of their membership with the fund.

Union Construction Workers’ Compensation Program (UCWCP) Policy

UCWCP is an alternative dispute resolution program for qualified union contractors. The program is available to union employers whose union is a sponsor of the program. The Builders Group offers a 5% credit to members in good standing of the UCWCP program.
Details of the UCWCP program can be found here.

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TBG Fit-for-Duty Safety Incentive

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TBG Fit-for-Duty Safety Incentive Form

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Introductory copy for TBG program highlights

In 1997, a group of 52 construction companies got together and decided to do something about the out-of-control costs of worker’s comp insurance. The plan was simple: join together to create a self-insured workers’ comp fund based on the principle that if responsible people acted responsibly, everyone wins.

Today, that idea has grown to become the #1 self-insured worker’s comp fund in Minnesota, exclusive to the construction trades.

Through TBG, the construction industry has access to affordable, high-quality workers’ comp that is tailored specifically to their needs. They have a partner who fully understands their risks and is committed to helping them lower costs, create safer workplaces, and take better care of their workers.

You don’t need to settle for work comp insurance, which is just another profit-draining cost. When you become a member of TBG, you’re making an investment in your business. You will have the tools and understanding at your disposal to reduce risk, manage claims, and get workers back on the job faster.

Take a moment to learn more about TBG features:

TBG is the trusted work comp provider for member contractors, builders, remodelers, subcontractors, and suppliers who are seeking the most practical and cost-effective solutions for workers’ compensation. We’re the #1 self-insured construction workers’ comp fund in Minnesota and dedicated solely to our Members’ needs.

We are a group self-insured fund dedicated to injury prevention, customized safety training, and stewardship of our industry’s future by investing in a new generation of construction workers. TBG helps keep your workers injury-free and arriving home safe each day.

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.

TBG partners with members to mitigate risk through customized safety training services and educational resources. We’ve developed a full range of safety service programs and assets designed to create safer workplaces and drive down claims:

– Jobsite training and consultation
– Safety program development and implementation
– State-of-the-art, hands-on safety training center
– Extensive on-demand safety video library
– Safety Services Education Classroom

What makes TBG stand out from other work comp providers is that we take our safety services beyond the traditional classroom setting, into our state-of-the-art safety training center and onto the jobsite. Here, our safety service experts and construction specialists provide hands-on training on a variety of situations in real time, teaching your employees to work safer, smarter, and more profitably. Learn More.

TBG’s proactive approach to claims management delivers personal, compassionate attention — helping the injured worker get the right care at the right time, returning to work as soon as possible without sacrificing quality of care. This approach results in greater control over your workers’ compensation insurance expenses. It also lets your workers know that they are important and that their health and safety are your top priority, resulting in a happy and productive workforce. Learn More.

At TBG, we offer a “Pay-As-You-Go” option for paying workers’ compensation based on reporting your actual payroll from the previous month. Your peers in the construction industry designed the Pay-As-You-Go Premiums benefit, knowing that it can help free up cash flow, which allows Members to make payroll, cover fixed expenses, purchase materials, pay subcontractors and vendors, and respond to unforeseen issues quickly. This is making workers’ comp work for you.

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At TBG, we understand workplace injuries can occur any time of the day, any day of the year. When accidents do happen on the job, the severity of injuries and the best course of action is not always immediately clear. That’s why TBG offers our complimentary TBG Nurse Care Line to our members, providing 24/7/365 access to professional medical advice and reporting. This service accurately assesses workplace injuries and ensures the right level of care is provided, which improves outcomes while reducing workers’ compensation claims and costs. Learn More.

TBG Nurse Care Line Number: 1 (844) 412-7951

If your Minnesota-based clients are doing work in other states, TBG will come along for the ride. With TBG’s Cross Border Coverage, we eliminate the exposure our Minnesota members may face when opportunities beckon across state lines. Now, they no longer have to take a dip in the assigned risk pool or venture away from the friendly confines of TBG. With our Cross Border Coverage, your clients are always traveling with the work comp coverage that works for them.TBG was built for the construction industry, by the construction industry. That’s why we’ve hand-selected a small group of independent agents who have a great amount of industry experience to represent the fund. This ensures that our members are supported by agents who have a comprehensive understanding of the trades and what it takes to be successful. As a self-insured fund, we all work together to make workers comp work by providing members the coverage and service they need…wherever the job takes them. Learn More.


Other Agent Resources

TBG goes the extra mile for our agents and members. Our Other Resources page is the best place to keep up to date and informed on the latest developments and resources on how we’re making workers’ comp work for you.


The Pillars of TBG

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TBG News Business Promotion

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TBG USL&H Agent Webinar Training Sept 2023

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