Construction Company Specialty - Insurance

We specialize in business insurance for construction companies in California.

Construction Specialty Insurance:

• Workers' Comp
• General Liability
• Business (Commercial) Auto
• Umbrella (Excess)
• Inland Marine
• Property
• Benefits (Health and Retirement)
• Bonds (CSLB, BID and Pay/Performance)

Our main focus when dealing with Construction companies is on Workers' Compensation Insurance (usually the highest share of insurance costs for a Contractor.)

We have many carriers that specialize in selling to the construction industry. Our job is to match your unique business with their sweet spot. This will ensure the best rates and coverage for your company.

By helping you maintain cost controls on this major component of your 'Labor Costs' (workers comp insurance), we add value to your business - making you more profitable!

Our Value Proposition:

1. Get the best Workers' Compensation rates available for your company.
   • A.M. Best - "A" rate carriers (mandatory)
2. Provide a proactive 'Workers' Comp Cost Control' program.
   • Ex Mod Management – year-round
   • Reports on Ex Mod and carriers
   • Forecasts of Ex Mods and how specific claims can affect your premiums
3. Provide an Advocate for EMPLOYERS' RIGHTS under Workers' Comp.
   • Insurance carriers are not on your side – you are transferring risk to them so you must advocate your own rights as the employer
   • Employers have rights and we can advocate for your rights
   • Know what your rights are and how to enforce those rights
4. Provide outsourcing of insurance carrier management, communication, and documentation.
   • Claims tracking
   • Adjuster communications and documentation
   • Reserve analysis and management on all OPEN CLAIMS
   • Close open claims quickly and effectively
   • Document the entire process for future protection (enforce your rights)
5. Assist in employee fraud prevention.
   • Screen new employees for past workers comp claims prior to formally hiring them onto your payroll
6. Document safety programs and policies so that you receive the best workers' comp premiums available.
   • This can reduce your workers' comp rates by 15-20%
7. Provide back-to-work programs/policies.
   • Provide full duty, modified, and light duty 'back to work' programs
   • This can reduce your EX MOD dramatically. We can show you why this happens.
8. Provide access to policies and procedures for safety meetings and materials for compliance with workers' comp and OSHA regulations.
9. Assist with OSHA and workers' comp integration.

We have a special relationship with our underwriters. These underwriters understand our programs and the safety measures we help to implement. This results in making your company a excellent risk - reducing your rates!

To get started, select a Quote button, below:

Or, for more information on this coverage please contact us.

Other Construction Industry Policies Available

General Liability

We have built a large network of carriers that have an appetite to write GL insurance for construction companies.

Commercial Auto Policies

We have an extensive network of carriers that provide excellent rates for commercial auto policies.

And More ...

Contractors Pollution Liability • Excess Liability • Key Man Insurance • Group Benefits (Health, Life, AD and D, etc.) • Business Owners Policies • Business Owner Disability Overhead Expense Insurance