Insurance built for businesses across the nation.
From contractors and the trades — our deepest specialty — to main-street businesses, we build coverage around your contracts: additional insured requirements, certs on demand, comp audits, and policies that satisfy the job before you step on it.
If you’ve ever had a GC send back your certificate of insurance because the additional insured wording wasn’t right, you already know why the broker you choose matters. The trades carry exposures most agents barely understand – and the wrong policy doesn’t show its gaps until you’re standing in a claim.
We focus on contractors because the details are where the money is. We make sure your general liability holds up to your contracts, your workers’ comp class codes and ex-mod are working for you instead of against you, and your certificates and additional insured endorsements go out fast and worded correctly.
Structured around your contracts.
From the panel to the parapet – we know the work.
General Liability & Workers’ Comp – done right.
General Liability
General liability is the foundation of a contractor’s insurance program. It responds when your work causes bodily injury or property damage to someone else – and it’s the coverage that lets you meet the insurance requirements in your contracts.
The policy form, endorsements, and wording matter as much as the limit. A GC often requires you to be added as an additional insured with specific endorsement language, and sometimes on a per-project aggregate basis. If your policy doesn’t have the right endorsements, your certificate gets rejected.
We shop your GL across multiple carriers, read your contracts so the coverage lines up, and turn around certificates and additional insured requests quickly so you’re never the reason a job is held up.
Workers’ Compensation
Workers’ comp covers medical costs and lost wages when an employee gets hurt on the job. In most states, it’s mandatory as soon as you have employees — no opting out.
Two places contractors lose money: class codes (wrong codes = overpaying or ugly audits) and your experience modifier – the number that multiplies your premium up or down based on claims history. A lot of contractors don’t realize it can be managed.
We make sure your class codes are right, watch your ex-mod, and help you prepare for audits instead of getting blindsided by them. The goal is a comp program that’s compliant and not costing you more than it should.
What’s usually in a contractor’s program.
Built around your business size, contracts, and the trades you actually run.
Let’s look at your contracts and your current coverage.
If something’s misaligned, we’ll show you exactly where – in plain language.