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Claims Advocacy & Support Trhoughout the Process

When something goes wrong, we step in as your advocate to guide the claims process and protect your interests. From the first notice of loss to final resolution, we communicate directly with the carrier, coordinate documentation, and help you understand what’s covered and what’s next. You get clear updates, timely responses, and a partner who knows how to keep your claim moving forward while preserving your relationship with the insurer.

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Audit Preparation & Premium Dispute Assistance

At the end of your policy term, carriers review your actual payroll and operations to determine if your premium needs to be adjusted. We help you prepare accurate records, organize classifications, and avoid surprises. If the audit comes back with issues, we step in to clarify, correct, and resolve them with the carrier—so you’re only paying what’s appropriate for the work you performed.

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Coverage Gap Analysis & Program Structuring

Every contractor’s risk profile is different, which is why we start with a full analysis of your operations, contracts, and existing coverage. We identify where exposures exist, whether it’s subcontractor liability, tools in transit, or coverage limits that don’t match your projects. Then we build a program around your actual business—not just an off-the-shelf policy—so that you’re prepared contractually, legally, and operationally across every site you work on.

Our clients
 

Skilled trades deserve skilled insurance—our clients include:

Masonry & Concrete

Electricians

HVAC

Tree Removal & Landscape

Roofing & Siding

Paving & Asphalt 

Plumbers

Excavation & Sitework


 

Demolition

Flooring

Painting

Low Voltage & Alarms

Sign and Awning Installation

Carpentry

Tile & Stone

....and more

Our Offer

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Core Coverages

We design insurance programs around the real-world needs of contractors, starting with the coverages that matter most on every job. From General Liability that meets contract specs, to Workers’ Compensation that protects your crew, and Commercial Auto for fleet or personal vehicles used in business, we build comprehensive protection into your daily operations. We also include Inland Marine for tools and equipment, Umbrella for extra limits, and Builders Risk for work in progress—all customized to the way your business actually runs.

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Contract Compliance Review

We review your contracts line-by-line to ensure your insurance policies align with the requirements before you bid or break ground. Our team handles all certificate of insurance requests quickly and precisely, including additional insured language, waivers of subrogation, and any endorsements the GC or project owner requires. You get COIs issued fast and correctly, so you can get on site without delays or extra back-and-forth.

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Subcontractor COI Tracking & Compliance 

Protecting your business also means making sure your subcontractors are covered correctly. We provide systems and support to help you track certificates of insurance from every sub on the job, verify policy limits and language, and monitor renewals to keep your documentation current. Whether you're managing a few trades or a full roster of subs, we help you reduce your own exposure by keeping their compliance in check.

Trade Contractors Division

We know your trade. We manage your risk. We support your growth.

We know your trade. We manage your risk. We support your growth.

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