INDUSTRIES · CONSTRUCTION
Win the bid. Pass the COI check. Pay crews on Friday.
Coverage built for general contractors and specialty trades: bonds, comp, auto, and benefits in one place.
PHOTO PLACEHOLDERB+W, DUOTONE · CONSTRUCTION
THE CONSTRUCTION STACK
What companies like yours usually carry.
BOP / general liabilityThird-party injury and property damage on site$1M / $2MREQUIREDWorkers' compCrew injuries (waiver of subrogation often required)StatutoryREQUIREDCommercial autoTrucks, trailers, and employees driving to sites$1M CSLREQUIREDSurety bondsBid, performance, and payment bonds for public workPer contractREQUIREDUmbrellaHigher limits demanded by larger GCs and owners$5MRECOMMENDEDMedical, dental, visionRetain skilled trades in a tight labor market—RECOMMENDED
- 01COIs in minutesIssue certificates with additional insureds from your dashboard.
- 02Certified payroll readyPrevailing-wage jobs and class codes tracked in the same run.
- 03Seasonal crews, fair premiumsPay-as-you-go comp scales with headcount.
TOP RISKS WE PLAN FOR
- 01Jobsite injuries. Falls, struck-by incidents, and equipment injuries drive comp costs and GC scrutiny.
- 02Contract requirements. Additional insured, waiver of subrogation, and umbrella limits vary by project.
- 03Subcontractor exposure. Uninsured subs can land on your comp and GL audits.
CONSTRUCTION QUESTIONS
- Do you issue COIs with additional insureds?
- Yes, from your dashboard in minutes, including waiver of subrogation where your policy allows.
- Can bonding and insurance be handled together?
- Yes. Your risk advisor manages surety alongside GL, comp, auto, and umbrella.
YOUR PROGRAM AT A GLANCE
Every line a construction company typically needs, on one application.
PROPERTY + LIABILITYBOP / general liabilityThird-party injury, property damage, business propertyWORKFORCEWorkers' compPay-as-you-go premiums billed with each payrollPROPERTY + LIABILITYCommercial autoOwned, hired, and non-owned vehicles and driversFINANCIAL + MANAGEMENTSurety bondsLicense, contract, and fidelity bonds issued fastPROPERTY + LIABILITYUmbrellaExtra limits above your GL, auto, and employer liabilityEMPLOYEE BENEFITSMedical, dental, visionGroup health plans from national and regional carriers
HOW IT WORKS FOR CONSTRUCTION
- 01Connect payroll. Census, wages by class code, and locations pulled from Worklio HCM or uploaded.
- 02Market to carriers. We submit to carriers that actively write construction risks.
- 03Compare and bind. Side-by-side options with limits, deductibles, and total cost.
- 04Service all year. COIs, claims advocacy, audits, and renewal planning from one team.
WHAT WE'LL NEED TO QUOTE YOU
APPLICATIONS
- ACORD 125
- ACORD 126
- ACORD 140
- ACORD 130
- ACORD 127
- ACORD 129
- Surety application
- ACORD 131
- Employee census + group application
DOCUMENTS
- Revenue and operations description
- Statement of values by location
- Loss runs, 3–5 years
- Payroll by class code (from payroll)
- Current policy declarations
- Experience mod worksheet
- Vehicle schedule with VINs
- Driver list with license numbers
AFTER YOU BUY
- Certificates on demandIssue COIs with additional insureds from your dashboard.
- Claims advocacyYour advisor works the claim with the carrier.
- Audits without surprisesPayroll-based premiums reconcile as you go.
- Renewal planningOptions on the table 60 days before renewal.
WORTH CONSIDERING
EMPLOYEE BENEFITSLife + disabilityGroup term life, AD&D, short- and long-term disabilityWORKFORCEEmployment practicesWrongful termination, harassment, discrimination claimsFINANCIAL + MANAGEMENTDirectors + officersProtects leadership from management decision claimsFINANCIAL + MANAGEMENTE&O / professionalClaims of mistakes or negligence in your services
- $35+ BillionPAYROLL AND TAXES PAID
- 23+ MillionACH TRANSACTIONS
- 4.3+ MillionW-2S / 1099S PROCESSED
- 2.8+ MillionEMPLOYEES PAID
TRUSTED BY PARTNERS INCLUDING
