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Part 4 of Labor Shortages, Rising Risks: How Immigration Policy is Reshaping Business Protection

  • jboynton96
  • Jul 28
  • 2 min read

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What Construction Businesses Can Do Now – Risk Strategy in a Changing Labor Landscape


Labor shortages in construction aren’t just a temporary hiccup—they’re reshaping how projects are staffed, scheduled, and insured. As immigration regulations tighten and the skilled labor pool shrinks, contractors are being forced to rethink how they operate.

But amid the disruption lies an opportunity: to build a smarter, more resilient risk strategy.


Step 1: Reevaluate Your Workforce Risk


Start with a realistic assessment of your current staffing model:

  • Are you over-relying on a few core workers?

  • Are subcontractors properly vetted and insured?

  • Are delays, injuries, or compliance issues becoming more frequent?


This isn’t just about productivity—it’s about protecting your business from legal and financial fallout.


Step 2: Tighten Contracts and Sub Agreements


When filling labor gaps, contractors often turn to subs fast. But if subcontractor agreements are vague or missing key risk-transfer provisions, you may be assuming liability you didn’t bargain for. Make sure your contracts clearly outline:

  • Insurance requirements

  • Safety responsibilities

  • Indemnification clauses


Step 3: Align Your Insurance with Today’s Risks


Outdated or generic coverage can leave construction firms exposed when labor issues cause delays or claims. Now’s the time to review:

  • EPLI: Protects against labor-related legal claims.

  • Builders Risk: Should be reviewed for coverage gaps tied to delays or labor-driven disruptions.

  • Workers’ Comp & Liability: Must reflect current staffing realities, including changes in crew size and subcontractor mix.

  • Delay in Completion Insurance: A smart move for large-scale or high-stakes projects that can’t afford setbacks.


How Coastline Risk Can Help


At Coastline Risk, we go beyond basic policy placement. We help construction companies:

  • Adapt coverage to match evolving labor conditions.

  • Identify risk blind spots in contracts and project workflows.

  • Create contingency plans that safeguard your timelines and your bottom line.


From small crews to major developments, we’re here to help builders navigate uncertainty with confidence.


Regulations may change. Labor may fluctuate. But with Coastline Risk on your team, your protection stays solid.




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Contact Us Today: (617) 500-1824. / info@coastlinerisk.com


Protect your business, your team, and your projects with CoastlineRisk. We're here to help you navigate the complexities of the insurance industry and secure the coverage you need to succeed. 


Learn more At Coastlinerisk.com




 
 
 

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