Our Services
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Commercial Insurance
We design commercial insurance programs for contractors and construction companies. From Workers’ Compensation and Liability to Commercial Auto, Bonds, builders risk, and other construction-related coverages, we help businesses protect their operations, employees, and assets with insurance strategies built around their unique risks.
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Employee Benefits
We help contractors strengthen their workforce through employee benefit solutions designed to attract and retain quality talent. From health, dental, and vision to supplemental benefits and disability coverage, we help businesses build programs that support their employees, enhance retention, and contribute to long-term success.
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Life & Disability Insurance
We help business owners protect their families, businesses, and financial future through insurance solutions designed around their personal and business needs. From life insurance and disability protection to key person coverage, we help provide financial protection when unexpected events affect the people and operations that matter most.
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.
Employee Benefits
Group Benefits
A strong benefits program helps contractors attract and retain skilled employees in a competitive labor market. We help businesses evaluate and implement employee benefit solutions designed around their workforce, budget, and business goals.
From health, dental, and vision coverage to supplemental benefits, disability protection, and voluntary benefits, we help contractors build programs that support their employees while strengthening their overall business.
Supplemental Benefits
Supplemental benefits allow employees to access additional protection while giving employers a cost-effective way to enhance their benefits package. We help contractors evaluate options such as accident, critical illness, disability, and other voluntary benefits designed to support their workforce.
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By offering meaningful benefits beyond traditional compensation, businesses can improve employee satisfaction, demonstrate commitment to their teams, and remain competitive when recruiting and retaining talent.
Life, Disability, and Long-Term Care
Life Insurance
Business owners spend years building their companies, but unexpected events can create significant challenges for their families, employees, and business partners. Life insurance can provide financial protection for loved ones, support business continuity, and help protect the future of the company.
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We help business owners evaluate solutions such as personal life insurance, key person coverage, and business protection strategies designed around their unique needs.
Disability Insurance
Your ability to work is one of your most valuable assets. A serious illness or injury can impact both personal finances and business operations.
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Disability insurance helps provide income protection when you are unable to work due to a covered disability. We help business owners evaluate coverage options designed to protect their income, family, and long-term financial security.
Long-Term Care Insurance
Long-term care needs can create significant financial and personal challenges for business owners and their families. Long-term care insurance can help protect assets and provide options for future care needs.
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We help individuals evaluate long-term care solutions that support their personal goals and provide greater confidence for the future.