Overview of the Program from Keating
Keating’s Contractors and Workers Compensation program is designed for agents looking to place a wide range of construction and trades accounts. We combine carrier relationships and industry-specific underwriting to handle common exposures in contracting — from artisan and specialty trades to general contractors and custom home builders.
Ideal Accounts and Appetite
- Best fit: small to mid-size contractors, residential and commercial specialty trades, swimming pool contractors, landscapers and environmental contractors/consultants.
- Also consider: custom home builders and general contractors with documented loss control and payroll controls.
- Typically not a fit: large commercial contractors with heavy self-performed piling, long-duration infrastructure projects with high subcontractor turnover, or accounts with severe, unmitigated loss histories — these require specialized placement.
Coverage Highlights and Advantages
- Workers’ compensation limits and endorsements tailored to contractor operations.
- Access to admitted and non-admitted carriers to broaden placement options.
- Underwriters with construction trade experience who value safety programs and payroll documentation.
- Competitive pricing for well-documented accounts and loss-control minded employers.
Underwriting Notes and Minimum Premiums
Keating underwriters evaluate payroll mix, class codes, loss runs, experience modification, subcontractor use and safety programs. A clear description of operations and updated loss runs are essential for a timely quote.
Minimum premium: $2,000. Larger accounts and complex schedules may require additional documentation or site visits.
Territories and Availability
Available across the states listed on this storefront, including AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC. Keating places business with several carrier partners and can offer admitted placements where required by state law.
Why Work With Keating on Contractors and Workers Compensation
- Construction-focused underwriting team that understands trade-specific exposures.
- Flexible market access to admitted and non-admitted carriers.
- Practical emphasis on loss control and documentation to help close accounts quickly.
- Dedicated service for policy issuance, audits and claims coordination with carrier partners.
Example account scenarios
You might have a client who runs a 10-person residential roofing crew with clean loss history and a formal safety program — Keating can competitively place the account with workers’ comp and related endorsements. Or a specialty contractor (e.g., irrigation and landscaping) with mixed payroll and seasonal workers that needs both coverage and payroll audit support — Keating’s program can provide tailored options.
Contact Keating for carrier appetite guidance and submission requirements so you can place contractor and workers’ compensation business efficiently.
Frequently Asked Questions
What types of contractor accounts are a good fit for this program?
Small to mid-size contractors, artisan and specialty trades, residential contractors, custom home builders, pool contractors and environmental consultants are all core appetites. Accounts with documented safety programs and clean loss histories typically receive the best terms.
What is the minimum premium and submission requirements?
The program’s minimum premium is $2,000. For quotes provide current loss runs (usually 3–5 years), payroll breakdown by class code, and a description of operations and safety controls.
Is coverage available nationwide and admitted in each state?
Keating offers placement across the states shown on the storefront and works with multiple carrier partners. Where state rules require admitted coverage, we prioritize admitted options; non-admitted capacity is available when appropriate.
How quickly can I get a quote or indication?
Turnaround depends on the completeness of the submission. Complete loss runs and payroll details typically result in faster indications; complex or larger accounts may need additional underwriting review.
Need help placing an account? Connect with a market specialist.