Our Services
Risk Management Consulting
Risk Management Consulting
Our consulting service gives contractors expert support on demand. Offered on an hourly fee basis, it’s ideal for tackling specific issues without a long-term contract. We help with insurance reviews, safety programs, and compliance needs—but we also go beyond that with enterprise risk management. From protecting your brand reputation and managing supply chain challenges to addressing staffing issues, operational challenges, and competitive strategy, we deliver tailored advice to strengthen your business where it matters most.
Outsourced Risk Management
Our subscription service delivers the benefits of an in-house risk manager at a fraction of the cost. For a set monthly fee, we become your single point of contact for brokers, carriers, and vendors, overseeing insurance, safety, compliance, and certificates. But we don’t stop there—we provide comprehensive enterprise risk management, helping you: protect brand reputation, navigate supply chain risks, plan for challenges, support key employees, and stay competitive in your market. It’s proactive, ongoing protection for your entire business.
Commercial Insurance
Workers' Compensation, Employment Practices and Liability Insurance (EPLI)
Your crew is the backbone of your contracting business, and protecting them protects your business too. Workers’ Compensation covers medical expenses and lost wages if an employee is injured or becomes ill on the job, keeping you compliant with state law and avoiding costly lawsuits. Employment Practices Liability Insurance (EPLI) complements this by covering claims related to wrongful termination, discrimination, harassment, or wage disputes. Together, these coverages safeguard your employees, support a professional work environment, and help ensure your business stays protected from employee-related risks.
General Liability, Excess Liability, Umbrella Insurance
Every job site carries the risk of accidents, injuries, or property damage, and one claim can put your contracting business at serious financial risk. General Liability insurance provides the foundation by covering common claims like bodily injury or property damage. For larger projects or bigger exposures, Excess and Umbrella Liability policies add an extra layer of protection, stepping in when a single claim exceeds your base policy limits. Together, these coverages safeguard your business, meet contract requirements, and give you confidence that one mistake won’t jeopardize everything you’ve built.
Errors & Omissions, Professional Liability Insurance
Even experienced contractors can face claims that their work, advice, or oversight caused a financial loss. Professional Liability—also called Errors & Omissions insurance—covers allegations of negligence, design mistakes, or failure to meet project specifications. For contractors who provide plans, consulting, or project management, this protection goes beyond General Liability by addressing the financial impact of errors in professional services. It helps safeguard your reputation, cover legal defense costs, and keep disputes from putting your business at risk.
Commercial Property Insurance, Business Owners' Policies (BOP)
Your tools, equipment, and office space are the backbone of your contracting business—and losing them to fire, theft, or vandalism can grind projects to a halt. Commercial Property insurance protects the physical assets you rely on every day. A Business Owner’s Policy (BOP) goes a step further by bundling this property protection with General Liability and often Business Interruption coverage, giving contractors a cost-effective package that keeps both your operations and your income protected when the unexpected happens.
Builders' Risk Insurance, Inland Marine Insurance
Construction projects come with unique risks—from weather damage to theft of materials or tools. Builders Risk insurance protects buildings under construction, covering damage to structures, materials, and supplies on-site. Inland Marine coverage complements this by safeguarding mobile equipment, tools, and materials while in transit or at temporary job sites. Together, these coverages ensure that both your projects and the tools that make them possible are protected, helping you stay on schedule and avoid unexpected financial setbacks.
Commercial Auto Insurance
From work trucks to vans and company vehicles, your vehicles are essential to getting projects done on time. Commercial Auto Insurance covers accidents, injuries, and damage involving vehicles used for business purposes. For contractors, it ensures that both your team and your equipment are protected while traveling to job sites, transporting materials, or running errands, helping keep your operations moving without costly interruptions.
Surety Bonds, Licensing Bonds
Many construction projects and government contracts require guarantees that work will be completed as promised and that your business meets legal or regulatory requirements. Surety Bonds protect clients by ensuring you fulfill contractual obligations, while Licensing Bonds demonstrate that your business complies with state or local licensing rules. For contractors, these bonds build trust with clients, help you win bids, and show that your company is reliable, professional, and legally compliant.