General contractors, subcontractors, design-builders, and specialty trades — electrical, HVAC, plumbing, framing, concrete, roofing, demo, excavation, scaffolding, and crane. We know which carriers want residential remodel and which want commercial new construction, and we route your submission to the right one instead of forcing every contractor through the same market.
Same day. We keep holder lists pre-loaded and issue certificates with the additional-insured stacking your contract requires — owner, general contractor, and lender, in the form each one demands. If your GC needs specific ongoing-and-completed-operations or primary-and-non-contributory wording, send us the contract and we'll match it rather than send a generic certificate that gets rejected.
Yes. We write builder's risk for the project and an installation floater for materials in transit and on-site before installation — a coverage that's frequently missed. We also bridge builder's risk to permanent property coverage at substantial completion so there's no uninsured day in between.
Your experience modification factor (EMOD) is half the conversation on workers' comp — the other half is whether the underwriter trusts your safety program. We build submissions that tell that story. For larger projects, we'll talk through whether an OCIP or CCIP wrap-up is the right move, and what it leaves uncovered on your standalone policy. We read the indemnification language in your subcontracts against the additional-insured endorsement your GC requires — and we'll flag the action-over claims exposure most subs don't realize they're sitting on. AIA documents on the desk, we'll walk you through which sections actually drive your insurance requirements. And our COIs go out as quickly as we can turn them, with holder lists pre-loaded, so a bid-day request doesn't turn into a Monday-morning fire.
Residential and commercial. Bid-day COIs, owner-controlled programs, builder's risk.
Electrical, HVAC, plumbing, framing, concrete, roofing — class-specific GL and WC.
Demo, excavation, scaffolding, crane — high-hazard markets when standard markets say no.
Water, fire, mold — environmental endorsements built in.
Materials in transit and on-site before installation. Often missed; we don't.
Scheduled and unscheduled, on-job and off-job — anti-theft endorsements.
We turn certificates as quickly as possible. Holder lists pre-loaded. Renewals stay in sync.
Owner, GC, lender — we add them all, in the form the contract requires.
We write the right ongoing-ops endorsements when you're hiring trades you don't supervise.
We bridge to permanent property coverage so there's no uninsured day in between.
Our honest rating across every review on Google.
Director of Commercial Lines
