Industries // Sector Expertise
Deep expertise
in the industries
we serve.
We don't generalize. Our team has spent decades embedded in the risk challenges specific to contractors, real estate, manufacturing, and specialty commercial clients.
Built for those who build.
Contractors // Overview
From specialty subcontractors to regional general contractors managing nine-figure projects, we design risk programs that move with your project pipeline. Our contractor expertise spans bonding capacity, wrap-up programs, and complex GL structures that open doors to larger work.
Core Coverages
Contractors // Case Studies
Real results for
real clients.
Mid-Atlantic General Contractor
$85M Annual Revenue
1.4 → 0.88
EMR Reduction
+$40M
New Bonding Capacity
31%
Cost Reduction
Challenge
A regional GC was losing bids due to insufficient bonding capacity and an out-of-control experience modification rate (EMR) approaching 1.4, pricing them out of public projects.
Solution
We restructured their workers comp program with a loss-sensitive plan, implemented a formal safety management protocol, and brokered a surety line with a top-10 carrier that recognized their project history.
Result
Reduced EMR from 1.4 to 0.88 over 24 months, unlocked $40M in new bonding capacity, and cut total insurance cost by 31%.
Specialty Concrete Subcontractor
$22M Annual Revenue
45%
Claims Frequency Drop
3
GC Rosters Restored
Year 1
Premium Stabilized
Challenge
Repeated large workers comp claims were driving up premiums and threatening the company's ability to qualify as an approved subcontractor on major GC rosters.
Solution
Moved the account to a safety group program, introduced monthly claims reviews, and partnered with the client's field supervisors on a return-to-work initiative.
Result
Claims frequency dropped 45% in year one. Premium stabilized and the client was re-approved by three major GC rosters.