Independent • Veteran-Owned • Built for the Trades
Contractors & Construction
You build, repair and improve the places people depend on. We help protect your contracts, crews, vehicles, tools and income—without making you sort through a pile of disconnected policies.
Protection for the way contractors actually work
A jobsite incident can affect property, liability, payroll, contracts and reputation at the same time. We review the operation as a whole.
General Liability
Third-party injury, property damage, completed operations and contract-related liability.
Workers’ Compensation
Employee injuries, state requirements, payroll classifications and subcontractor considerations.
Commercial Auto
Work trucks, trailers, hired and non-owned vehicles, drivers and fleet exposures.
Tools, Equipment & Materials
Mobile tools, rented equipment, installation materials and property moving between jobsites.
Property & Business Income
Buildings, contents, equipment breakdown and the income needed to keep the company moving.
Umbrella & Excess Liability
Additional limits for larger contracts, severe losses and protection beyond underlying policies.
Bonds & Contract Requirements
Bid, performance, payment and license bonds, plus certificates and additional-insured needs.
Professional, Cyber & Employment Risks
Design responsibility, data and payment fraud, employment practices and management exposures.
People, Benefits & Legacy
Benefits, key-person planning, life protection and strategies that support retention and continuity.
Trades and operations we understand
From a one-truck specialist to a growing multi-crew contractor, we match the assessment to the actual work performed.
Details that can make or break a contractor program
The cheapest proposal is expensive when exclusions, classifications or contracts do not match the work.
A practical three-step review
We begin with your work—not a generic quote form.
Tell us how you operate
Share your trades, revenue, payroll, vehicles, equipment, locations and subcontractor use.
Review gaps and requirements
We compare your exposures, current protection and contract obligations through the Seven Shields framework.
Coordinate the solution
We present practical options, support implementation and remain available for certificates, changes and annual reviews.
Contractor questions
Can you help with certificates of insurance and additional insured requests?
Yes. We can help review certificate requests and coordinate appropriate policy endorsements, subject to carrier approval and policy terms.
Do subcontractors need their own insurance?
Usually, strong risk management includes written agreements and evidence of appropriate insurance from subcontractors. Requirements vary by contract, jurisdiction and carrier.
Can you cover tools that move between jobsites?
Mobile tools, equipment and materials may require inland marine or installation coverage rather than relying only on property insurance at one location.
Can you help when a contract requires higher limits or a bond?
Yes. We review the requirement and explore appropriate umbrella, excess or bond solutions based on eligibility and underwriting.
Do you work with new contractors?
Yes, depending on the operations, experience and available markets. A clear business plan, safety practices and complete information help us find the right path.
Coverage availability, classifications, limits and eligibility vary by carrier, trade, jurisdiction and underwriting. This page provides general information and does not alter any policy, bond or contract.
Protect the work behind your reputation.
Complete the complimentary Business Risk Assessment. We’ll review the whole operation and respond within one business day.
Online options, backed by a real team
Already know what you need?
Start eligible insurance, bond, legal, identity, life and supplemental solutions online. If you are unsure, begin with a free Risk Assessment and our team will help you choose the right path.
Explore coverage for your business
Review these coverage areas as part of a complete business risk assessment.
Practical insurance guides
Use these guides to identify coverage gaps and prepare for your next risk assessment.