Caitlin Greco
a week ago
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Common questions
Construction insurance, answered.
What trades and contractors do you cover?
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.
How fast can you issue a certificate of insurance?
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.
Do you handle builder's risk and installation floaters?
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.
How we actually work the account
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.
Operations we write
What we cover, day to day.
General contractors
Residential and commercial. Bid-day COIs, owner-controlled programs, builder's risk.
Subcontractors
Electrical, HVAC, plumbing, framing, concrete, roofing — class-specific GL and WC.
Specialty trades
Demo, excavation, scaffolding, crane — high-hazard markets when standard markets say no.
Restoration & remediation
Water, fire, mold — environmental endorsements built in.
Installation floater
Materials in transit and on-site before installation. Often missed; we don't.
Tools & equipment
Scheduled and unscheduled, on-job and off-job — anti-theft endorsements.
Common coverage gaps
The places generic agents leave you exposed.
COI support
We turn certificates as quickly as possible. Holder lists pre-loaded. Renewals stay in sync.
Additional-insured stacking
Owner, GC, lender — we add them all, in the form the contract requires.
Subcontracted work exposure
We write the right ongoing-ops endorsements when you're hiring trades you don't supervise.
Builder's risk gaps at substantial completion
We bridge to permanent property coverage so there's no uninsured day in between.
Programs we have access to
Direct appointments where it matters.
- Residential GC programs
- Commercial GC carriers
- Trade-specific markets (E&O for design-build)
- Bond programs for prime contractors
What our clients say
Real Oklahomans. Real reviews.
Our honest rating across every review on Google.
Amanda Bunting
a week ago
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alex laporte
a week ago
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Ready when you are
Schedule with Erick Cummings.
Director of Commercial Lines