Ideal Accounts and Appetite
We consider a broad range of construction-related classes. Whether your client operates in heavy construction or specialty trades, we likely have a market that fits. Our appetite includes, but is not limited to:
- Carpentry
- Masonry
- Excavation
- Street & Road Work
- Sewer Construction
- Metal Erection
- Drywall/Wallboard
- Painting
- Glaziers (Glass Installation)
- Insulation Work
- Sign Installation
- Roofing (Minimum Premium: $15,000)
- Tree Trimming (Minimum Premium: $10,000)
You might have a roofing contractor with seasonal labor or a road construction company with fluctuating payroll. We can help you find the right fit for these and many other construction-oriented risks.
Coverage Highlights and Advantages
We focus on providing dependable, flexible coverage options through a variety of carriers. Our program helps your clients meet workers’ compensation requirements while managing the unique risks of construction operations, such as job site injuries, subcontractor exposures, and varying crew sizes.
Underwriting Requirements and Minimum Premiums
Construction accounts start at a minimum premium of $5,000, with higher minimums for higher-risk classes like roofing and tree trimming. To submit a risk, please provide the following:
- Completed ACORD application
- 3 years of currently valued loss runs
- Experience Mod Worksheet
Send all submissions to [email protected].
Territories and Availability
This program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, and WI.
Why Work With Don R. Jensen & Company?
With decades of experience in workers’ compensation and deep roots in the construction sector, Don R. Jensen & Company offers access to markets that understand the complexities of labor-intensive operations. Our team works closely with retail agents to deliver responsive underwriting, competitive pricing, and tailored solutions for construction clients.
For more details about our coverage options for construction industry workers’ compensation, visit www.drjco.com.
Frequently Asked Questions
What types of accounts are a good fit for this construction workers’ comp program?
This program is ideal for trade contractors and construction businesses such as carpenters, masons, painters, glaziers, and roadwork crews. Higher-risk classes like roofers and tree trimmers are also considered with appropriate minimum premiums.
What is the minimum premium required?
The general minimum premium is $5,000, though certain higher-risk classes such as roofing ($15,000) and tree trimming ($10,000) have higher minimums.
What states is this program available in?
This program is available in over 40 states, including CA, TX, FL, NY, IL, GA, and many others across the U.S.
What documents are required to submit a risk?
Agents should submit a completed ACORD application, 3 years of currently valued loss runs, and an Experience Mod Worksheet.
Can you help with accounts that have prior losses or high mods?
Yes, we consider accounts with prior losses or higher experience mods on a case-by-case basis. Our broad market access allows us to find solutions for challenging risks.
Need help placing an account? Connect with a market specialist.