Contracts that don’t bite back
Hold-harmless, additional insured and primary and non-contributory language can quietly shift risk onto you. We review the insurance requirements early so your coverage matches what you agreed to.
Fast COIscertificates and additional insureds turned around when the GC is waiting
Contract reviewinsurance clauses checked before you sign, not after a claim
Comp strategyEMR, safety and claims work aimed at lowering your cost
Claims advocacya broker who stays on the file to the end
Who we work with
From the framing crew to the general contractor.
Construction risk changes with the trade, the project type and the contract. We build programs for contractors who want to grow, bid larger work and keep their insurance cost predictable while they do it.
- General & residential contractors — new build, remodel, tenant improvements
- Specialty trades — electrical, plumbing, HVAC, roofing, concrete, framing, painting, landscape
- Developers & builders — builder’s risk, wrap-ups and long-tail liability
The full range of construction
From demolition to the finishing touches.
Different phases carry different risks. We build coverage around the work you actually do.
What sets us apart
Four ways we protect a contractor’s bottom line.
Subcontractor controls
Uninsured or underinsured subs become your problem. We help you set requirements, collect certificates and endorsements, and track them so gaps surface before a loss does.
Workers’ comp that gets cheaper
Your experience mod, payroll classifications and claim handling drive cost. We audit them, push back on bad classifications and help you build the safety habits that bring the number down.
Coverage for the long tail
Construction defect and completed operations claims can arrive years after you leave the site. We structure and place coverage with that exposure in mind, and explain where the gaps are.
Real job sites, real exposures
Work at height, heavy equipment and a dozen trades on one floor.
Lifts, telehandlers, overhead work and several subcontractors sharing one site is where injuries, property damage and finger-pointing happen. Your insurance should be built around that picture, not a generic class code.
- Workers’ comp — accurate classes and payroll for crews working at height
- Equipment & inland marine — owned, rented and leased machinery covered where it works
- General liability & umbrella — injury to others and damage to the work around you
- Subcontractor requirements — everyone on the floor carrying what the contract says
How we work
A simple process, built around your bid calendar.
We know that a contractor with a deadline needs an answer today. Here is how a typical engagement runs.
- Step 1
Review what you have
We read your policies, contracts, loss runs and subcontractor agreements and tell you where the gaps and the savings are.
- Step 2
Build and market the program
We structure the coverage, prepare the submission and go to the markets that fit your trade and your growth plans.
- Step 3
Service it all year
Certificates in hours, audits managed, claims advocated and a mid-year check-in so renewal holds no surprises.
Good to know
Coverage depends on the policy forms, your operations and your contracts, and terms vary by carrier and state. We review the actual wording with you before you buy, and we tell you plainly what a policy does not cover.
Claims management & advocacy
When a claim lands, you have someone in your corner.
A jobsite injury, a damaged neighbor’s property or a defect allegation can stop a project and strain relationships. We help you report it right, document it, and push the carrier to handle it fairly, so you can keep building.
Let’s review your current program.
Send us your policies, a sample contract and your loss runs. We will show you where your coverage, workers’ comp and pricing stand, and where there is room to do better. No pressure, no jargon.