Core Insurance Group - Brady Carpenter

Got a call from a homeowner last week who almost fell out of his chair when he opened his renewal. His premium jumped 31% and his agent could not even explain why.

Turns out his carrier had quietly increased his wind/hail deductible from $1,000 to 2% of dwelling coverage. On a $350K home that is a $7,000 deductible he did not know about. Plus they removed his water backup coverage entirely.

This is happening everywhere right now. Homeowner premiums are up about 24% over the last three years and a lot of carriers are not just raising rates, they are changing what is actually covered and hoping you do not notice.

Here is what I tell people to look for on their renewal: check if your deductibles changed (especially wind/hail in our area), see if any add-ons disappeared, and make sure your dwelling coverage still matches what it would actually cost to rebuild your home today, not what you paid for it.

If your renewal just came in and the number does not look right, happy to take a look. I do this all day. No cost, no obligation.

Your workers comp "experience mod" is basically a credit score nobody told you that you had. A lot of PA and NJ contractors are sitting above 1.0 because of a claim from 2 or 3 years ago that should have aged off their record by now. We pull it for free and tell you exactly what it's costing you per job. Takes 5 minutes.

Contact - Core Insurance

ABA owners: your general liability policy almost certainly does NOT cover the three things most likely to actually hit you.

A parent files a complaint about a therapist's conduct. A HIPAA breach triggers a state investigation. An abuse allegation surfaces at your clinic. GL doesn't touch any of those. You need professional liability, abuse coverage, and probably cyber to fill those gaps, and most practices we look at are missing at least one.

If you don't know exactly what your policy covers, worth a few minutes to check before your next renewal locks it in. Happy to take a look.

(610) 908-9771 or book at theinsurancecore.com/contact

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If you're starting to land bigger commercial projects, most GCs and property owners are requiring $2M or $5M liability limits these days. A standard $1M GL policy won't get you on the job. The fix is usually a commercial umbrella, which stacks on top of what you already have and is a lot cheaper than most people expect. Worth getting it lined up before a project falls through over a certificate requirement. Call or message if you want to see what that looks like for your setup, (610) 908-9771.

Core Insurance Group just got recognized as the Best Auto Insurance Agency in Newtown Square for 2026, based on verified Google Reviews. Pretty proud to be part of that. If you're in PA or NJ and haven't shopped your home or auto in a while, I can run a comparison across 40 carriers and show you where you actually stand. Call or text (610) 908-9771.

Contractors: how your payroll gets classified for work comp can swing your premium by thousands, and miscoded classes are more common than you'd think. If an audit ever felt higher than it should be, that's worth a look. I can review how you're classified and whether it matches the work you actually do. Call or text (610) 908-9771.

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Quick one for the contractors: if you hire subs, their certificate of insurance only protects you if it's actually current and lists the right coverage. I've seen guys get stuck on a claim because a sub's policy lapsed months ago and nobody checked. Pull fresh COIs before each job, not once a year. Want a second set of eyes on what your subs should carry? Send me a message or call (610) 908-9771.

Two letters on your homeowners policy decide whether you get a $20,000 check or a $4,000 one.

Pull your policy and find RCV or ACV on the roof.

RCV is replacement cost. Tree hits your roof, the insurer pays what a new roof costs today. ACV is actual cash value. Same tree, same roof, but they pay what your old roof was worth after depreciation. On a 15 year old roof that is a four figure check instead of a five figure one.

Most folks assume they have replacement cost. A surprising number do not, especially on roofs. Newer policies have been quietly shifting to ACV on roofs to keep the premium low, and you probably never got a phone call about it.

If you own a home in PA, NJ, or DE, this is worth ten minutes this week.

Comment HOME or DM me and I will send my free 7 gotchas checklist for PA area homeowners.

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Most ABA practices I look at are overpaying on workers comp, and it has nothing to do with payroll.

It is the class code. A lot of agents lump BCBAs and RBTs under one code, usually a physician office code or worse, a clerical one. Then the auditor shows up, reclassifies the payroll, and the owner gets a bill nobody warned them about.

BCBAs and RBTs do not do the same job. They should not be coded the same. Splitting the payroll correctly can cut a premium by 20 to 30 percent. I caught one last month where the owner had been overpaying about $7,200 a year for three years straight.

If you own an ABA practice in PA, NJ, or DE and nobody has reviewed your codes in the last year, get a second set of eyes on it.

Comment CHECK or message the page and I will send you my free 5 minute ABA class code check.

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If you pay subcontractors and you do not collect their certificates, your workers comp audit is going to hurt.

When you hire a 1099 sub who cannot prove they carry their own workers comp, your insurance company treats that sub as your employee at audit time. They add what you paid that sub to your payroll and charge you premium on it. I watched a roofing contractor get a $14,000 audit bill in one shot because four of his subs could not produce a certificate.

The fix is boring and it works. Collect a current certificate of insurance from every sub before they start, keep it on file, and make sure it shows their own workers comp. No certificate, no payment. That one habit can save you five figures at audit time.

Most of the contractors I work with in PA, NJ, and DE had at least one uninsured sub on the books and had no idea what it was about to cost them.

Comment TRADES or message the page and I will send you the contractor COI and workers comp checklist GCs actually verify.