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Construction & Contractors Insurance Program from Kaigler & Company Kaigler & Company offers a flexible construction and contractors insurance program available nationwide. Designed for accounts that are difficult to place in standard markets, the program pairs experienced underwriting with access to multiple specialty carriers to help you place complex or high-hazard construction risks with confidence. Ideal Accounts and Appetite This program fits both general and trade contractors, especially those that need a specialized market. Typical guidelines include: General contractors with substantial subcontracting (up to 95% subcontracted work) Trade contractors with limited subcontracting (generally up to 20%) Heavy construction and infrastructure contractors with elevated hazard profiles Target classes include roofing, structural steel erection, bridge/street/road and pipeline construction, excavation, millwright services, marine and wet work, cranes and rigging, and high-steel operations. Kaigler & Company will consider both small town trades and large infrastructure contractors when their exposures match the carrier appetites. Coverage Highlights and Advantages The program emphasizes primary general liability and umbrella/excess capacity tailored to construction exposures. Working with multiple carriers allows underwriters to customize limits, endorsements, and terms for operations involving hot work, work at elevation, over-water exposures, heavy equipment, or other elevated hazards. Examples of accounts that may be a good fit: A roofing contractor with prior claim activity that needs a market for renewal. A bridge contractor performing work over water that requires coordinated GL and excess limits. Underwriting Notes and Minimum Premiums Kaigler & Company focuses on “semi-tough” accounts—those that were declined or limited in standard markets but remain insurable with specialized underwriting. Artisan and tradesmen submissions generally begin at a minimum premium of $5,000. Underwriters are comfortable with detailed submissions that include loss runs, safety programs, and subcontractor oversight practices. Territories and Availability The program is available in all 50 states and the District of Columbia. Kaigler & Company can place business in coastal, inland, and remote regions by leveraging non-admitted capacity where appropriate. Why Work With Kaigler & Company? Kaigler & Company combines construction-specific underwriting expertise with access to multiple specialty markets. Their flexible approach and non-admitted options give agents more ways to place higher-risk or unusual accounts. If you need a market for complex construction exposures, Kaigler & Company aims to provide practical solutions and responsive service. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general and trade contractors, including those with higher-risk operations such as roofing, steel erection, marine work, and infrastructure construction. Is this program available in all states?Yes. Kaigler & Company offers this construction program in all 50 states and the District of Columbia. What is the minimum premium for this program?Tradesmen and artisan contractor accounts generally start at a minimum premium of $5,000. Does the program accept accounts with a high percentage of subcontracted work?Yes. The program can accommodate general contractors with up to 95% subcontracted work and trade contractors with up to about 20% subcontracting, depending on the class and other risk factors. What coverage lines are available through this program?Primary general liability and umbrella/excess coverage are the core offerings, with tailored terms for construction-specific exposures. Need help placing an account? Connect with a market specialist.

Accidents and injuries remain a reality in manufacturing, even with modern safety protocols and equipment. Don R. Jensen & Company gives agents and brokers access to competitive manufacturing workers’ compensation solutions designed to help protect your clients from those occupational risks. As a wholesale broker, Don R. Jensen & Company places manufacturing workers’ compensation with multiple markets. Our program generally starts at a minimum premium of $2,000 and can accommodate a range of manufacturing operations — from small machine shops to larger furniture producers. We work with underwriting partners to help you find practical solutions for standard and harder-to-place accounts. Target Classes We Consider We have appetite for a broad set of manufacturing operations. Examples of class codes we commonly consider include: Machine Shops Millwright Plastics Manufacturing Furniture or Wood Products Manufacturing Concrete/Cement Manufacturing Tool Manufacturing Engine Manufacturing Cloth/Canvas Manufacturing You might have a client running a regional plastics molding shop with 25 employees, or a custom furniture builder expanding into larger contracts — these are the kinds of risks we can help you place. Submission Requirements Completed ACORD application Three years of currently valued loss runs Experience Modification worksheet Please email all submissions to [email protected]. Territories and Program Availability We can write manufacturing workers’ compensation in most states, including CA, TX, FL, NY, IL, and PA. Our admitted status is All Available States, enabling you to service regional and multi-state operations where markets permit. Why Partner With Don R. Jensen & Company? Don R. Jensen & Company brings decades of experience in workers’ compensation placement, with specific insight into manufacturing exposures. As a wholesale broker we provide access to multiple carriers, help navigate underwriting nuances, and work to find competitive pricing and terms for both standard and more challenging risks. Learn more about our capabilities at www.drjco.com or on our company profile on CompleteMarkets. Frequently Asked Questions What types of accounts are a good fit for this program? This program fits small to mid-sized manufacturers such as machine shops, wood product manufacturers, plastics fabricators and similar operations that have manageable loss histories and standard manufacturing exposures. Is there a minimum premium requirement? Yes. The program’s minimum premium starts at $2,000. Do you require prior coverage or loss history? We generally request three years of currently valued loss runs and an Experience Mod worksheet. Accounts are reviewed individually; manageable loss histories are preferred but not always disqualifying. What states is this program available in? The program is available in most states, including CA, TX, FL, NY, IL, and PA. We can write in all available states where our admitted status applies. Who should I contact to submit an application? Send submissions and required documents to [email protected] for review by our underwriting team.