General Contractors
HVAC
Plumbing
Electrical
Roofing
Framing
Masonry
Flooring
Painting
Excavation
Concrete Contractors
Landscape Contractors
Steel Erectors
Drywall Installers
Concrete and Gravel Haulers
If you’re a contractor in Missouri, your exposure doesn’t clock out when the crew leaves. A GL claim on a completed job, a work comp audit that goes sideways, a vehicle incident on the way to a site. Any of these can create financial exposure that outlasts the project itself.
Most contractors are underinsured not because they didn’t try, but because their broker doesn’t know the class well enough to build the right program. We’ve spent years working contractor accounts. We know where the gaps tend to show up.
The right program isn’t just about coverage. It’s about
knowing your class well enough to build it correctly.
Covers bodily injury, property damage, and completed operations claims arising from your work. Class code accuracy and completed operations limits matter more in construction than almost any other industry.
Vehicles on the road between jobs, hauling materials, or transporting equipment carry commercial exposure. We structure auto coverage around how your fleet actually operates.
Work comp is one of the most mismanaged lines for contractors. Incorrect class codes, payroll misreporting, and unreviewed experience mods cost money every year. We get this right upfront.
When a GC requires $5M in limits or a job site incident exceeds your primary policy, umbrella coverage closes the gap. We structure layers that meet contract requirements and protect your assets.
For contractors who provide design-build services, project management, or consulting alongside their trade work, E&O exposure is real. We structure professional liability coverage for your scope of work
For new construction and renovation projects, builder’s risk covers the structure and materials during the build. Lead time matters. The more runway we have before a project starts, the more competitive the placement.
The construction insurance market has more capacity than the habitational or commercial property space, but it’s not without complexity. GL markets remain reasonably competitive for accounts with clean loss history and predictable activity. Tougher classes, including frame residential construction, have fewer carrier options and benefit from a specialist advisor who knows where to go.
Workers compensation has been competitive for contractors for several years. Professional lines are stable. The accounts that struggle are the ones with poor loss history, incomplete data, or a broker who doesn’t know the class.
We know the class.
We gather your current policies, loss runs, payroll records, and job types. Understanding your full scope of work is the starting point for building a program that actually fits.
We identify the right carriers for your class and build a submission that leads with your account’s strengths. For complex or distressed accounts, we access the E&S marketplace where standard carriers fall short.
Once your program is placed, we stay involved. We review coverage as your business grows, track your experience mod, and make sure your program keeps pace with your operation.
If you’re a contractor in Missouri or the Midwest and your current coverage was put together by a generalist who re-shops it every year, it’s
worth a second look. We’ll tell you what we see.
