Industry Insights & Resources

Employers today face a simple truth: a strong business depends on healthy, supported employees. Health and wellness are no longer fringe topics in employee benefits - they are central to workforce stability, performance, and long‑term growth.

Today, construction sites often have drones overhead, capturing progress, inspecting roofs, mapping sites, and finding issues before they cause delays. What once took hours can now be done in minutes, and what once required workers at height can now be handled from the ground.

Flood insurance is often viewed as something only needed for high-risk areas. Water damage from heavy rain or drainage issues can affect homeowners and businesses well outside of traditional flood zones. At Patriot, we approach flood insurance the same way we think about any smart coverage decision - it’s about being ready before you need it, not after.

Brain injuries are among the most serious and life-altering hazards in the construction industry. With heavy equipment, elevated work areas, shifting materials, and fast-paced activity, even a momentary lapse in safety can result in a traumatic brain injury (TBI). Preventing brain injury on the jobsite requires a combination of proper planning, protective equipment, and a culture that prioritizes safety at every level.

National Agricultural Week is a time to recognize the farmers and ranchers who keep our communities running. It’s also a chance to highlight crop insurance, a practical tool supporting long-term success in agriculture.

Over the past decade, Umbrella Liability Coverage for construction contractors has steadily climbed in both size and complexity. Benchmarking data from 2016 through 2025 shows a clear pattern: higher limits, more layered coverage structures, and widening regional differences, especially between national markets and the state of New York. At a national level, typical Umbrella limits for construction firms in 2025 fell between $5 million and $10 million. In the state of New York, however, limits are significantly higher – often coming in at $10 million to $25 million or more, particularly for street, infrastructure, and public works projects. Heavy civil contractors may carry umbrella programs reaching $15 million to $50 million, often structured across multiple excess layers.