Insurance Programs for Middle-Market Contractors

Commercial contractors and builders with roughly $5 million to $25 million+ in annual revenue. At that size you have outgrown small-business package policies — you are managing multi-layer liability requirements, larger fleets, high certificate volume, contractual risk transfer obligations, an experience modifier that materially affects your workers comp cost, and renewal submissions that need to be professionally marketed to underwriters. That is the segment our commercial team is built around.

Middle-market construction programs are carrier programs that package your general liability, workers compensation, commercial auto, and umbrella with a single construction-focused carrier, underwriting the account as one risk instead of four separate policies. They typically require combined annual premiums above roughly $150,000 to qualify — which is exactly where growing contractors land. Many generalist brokers either cannot access these programs or simply do not know they exist, so their clients stay on stacked monoline and small-package policies long after they have outgrown them. We have moved contractors into these programs and saved them mid-to-high five figures — and in some cases six figures — per year, on accounts their prior broker never marketed.

Nearly everything changes. Underwriters individually review your account rather than running it through an automated portal. Your loss history, experience modifier, subcontractor risk-transfer program, and financials directly drive pricing. Contracts demand higher limits ($5M–$25M excess towers on commercial and public work), specific additional insured endorsements, primary and noncontributory wording, and waivers of subrogation. Your broker's job shifts from "finding a policy" to structuring a program — coverage architecture, retention strategy, claims advocacy, and renewal marketing.

A complete program usually includes commercial general liability with contractual liability review, umbrella/excess layers sized to contract requirements, workers compensation with active X-mod management, commercial auto for scheduled fleets, inland marine for equipment schedules, builders risk (project-specific or master programs), contractors pollution liability, professional liability for design-build exposure, cyber liability, employment practices liability, and surety bonding capacity for bid, performance, and payment bonds.

Yes. Most of our middle-market clients carry a $5 million or $10 million umbrella — the limits larger project owners, GCs, and public agencies routinely require before awarding work. When a contract demands more, we structure lead umbrella and excess layers across multiple carriers up to $25M+ total limits, coordinating attachment points, following-form language, and additional insured obligations so the tower responds the way your contracts require.

The placement is the beginning, not the product. Middle-market clients get a dedicated broker who manages the full lifecycle: pre-renewal strategy and submission packaging, mid-term endorsements and certificate management, quarterly claim reviews on open files, X-mod projection and correction, safety program consultation through carrier loss-control resources, and contract insurance-requirement review before you sign — so you know what a new MSA obligates you to carry before it costs you.

We start 90–120 days before renewal. We rebuild your submission — updated financials, loss runs with narratives on any significant claims, safety program documentation, and a clear description of operations — and market it to the carriers with genuine appetite for your class and size, including specialty markets through our wholesale partners (Amwins, CRC Group, XS Brokers). You see a marketing summary of every quote, indication, and declination, so the renewal decision is made with the whole market visible, not a single number.

Yes. If your current program is placed with carriers we can access, a broker-of-record letter moves the account to us without repurchasing coverage or changing your policies mid-term. We then run our renewal process at the next expiration. A BOR review costs nothing and typically surfaces coverage gaps, missed credits, or X-mod errors within the first 30 days.

Commercial general contractors, general engineering contractors, large specialty subcontractors (electrical, mechanical, concrete, framing, drywall), utility and infrastructure contractors, telecommunications and fiber construction firms, and home builders and developers operating across California, Nevada, Utah, Arizona, and Texas. Multi-state operations are a strength — one broker coordinates licensing-board compliance, workers comp, and certificates across every state you work in.