Ideal Accounts and Appetite
We consider a wide range of construction-related classes. Whether your client is in heavy construction or a specialty trade, we likely have a market that fits. Typical classes we place include:
- 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)
We evaluate accounts with seasonal workforces, fluctuating payrolls, and subcontractor usage. Higher-risk operations are reviewed with carriers that specialize in construction exposures.
Coverage Highlights and Advantages
Don R. Jensen & Company places workers’ compensation coverage through a variety of admitted and non-admitted markets, giving you options to match pricing, endorsements, and state-specific requirements. Our construction program addresses common industry exposures such as job-site injuries, subcontractor relationships, and variable crew sizes, while helping ensure compliance with state workers’ compensation mandates.
Underwriting Requirements and Minimum Premiums
Standard minimum premium for construction accounts is $5,000. Certain higher-risk trades carry higher minimums (see roofing and tree trimming above). To expedite placement, include the following with submissions:
- Completed ACORD application
- Three years of currently valued loss runs
- Experience Modifier worksheet
Send submissions to [email protected]. Providing clear job descriptions, payroll detail, and any subcontractor agreements will help underwriters quote more accurately and quickly.
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. Availability may vary by carrier and class.
Why Work With Don R. Jensen & Company?
With decades of experience in workers’ compensation and deep knowledge of construction risks, Don R. Jensen & Company helps retail agents place difficult or niche risks through multiple carrier relationships. Our team focuses on responsive underwriting, competitive terms, and practical solutions for labor-intensive operations.
For additional program details, visit www.drjco.com.
Frequently Asked Questions
What types of accounts are a good fit for this construction workers’ comp program?
This program is built for trade contractors and construction businesses such as carpenters, masons, painters, glaziers, and roadwork crews. Higher-risk classes like roofers and tree trimmers are considered with higher minimum premiums and carrier approval.
What is the minimum premium required?
The general minimum premium is $5,000. Certain high-risk classes carry higher minimums, for example roofing ($15,000) and tree trimming ($10,000).
What states is this program available in?
The program is available in most states across the U.S., including CA, TX, FL, NY, IL, GA and many others listed above. Exact availability depends on the class and carrier.
What documents do I need to submit a risk?
Include a completed ACORD application, three years of currently valued loss runs, and an Experience Mod worksheet. Clear payroll breakdowns and job descriptions are helpful for accurate quotes.
Can you help with accounts that have prior losses or high mods?
Yes. We review accounts with prior losses or elevated experience mods on a case-by-case basis and leverage our market access to find appropriate solutions.
Need help placing an account? Connect with a market specialist.