Commercial insurance broker / Pittsburgh, PA / Est. 1987
We place liability, workers' comp, builder's risk and fleet coverage for contractors and manufacturers in Pennsylvania and four neighboring states.
01 / Industries
GCs and trades who need certificates, wrap-ups and bonding that match the contract.
Construction
Fabricators and machine shops with product, property and equipment exposure.
Manufacturing
Haulers and contractor fleets that need auto, cargo and driver programs.
Trucking and fleet
Owners and developers who carry builder's risk and project limits.
Development02 / Coverage gap check
Pick your industry and check what you carry today. You see which lines are missing and why they matter. No contact details needed.
STEP 1Your industry
STEP 2What you carry today
Coverage fit
Missing essentials
Worth adding
In place
General guidance, not advice for your company. Contracts, payroll and state rules change what you need.
03 / How a review works
Start at least 90 days before renewal. Underwriters give their best terms to complete, early submissions.
We read your contracts, loss runs, payroll and equipment schedules, then list every requirement.
We send one complete submission to the carriers, out of our 28, that write your class of work.
You see side-by-side terms, limits and exclusions, with our pick and the reason for it.
Certificates the same day, claims advocacy and a loss review with your team every quarter.
04 / Risk management
Your experience mod (EMR) multiplies your workers' comp premium. It also decides which bids you can enter, since many owners cap it at 1.00.
Our risk control team works your mod down with safety programs, return-to-work plans and claim reviews.
| At a 1.25 mod | $500,000 |
|---|---|
| At a 1.00 mod | $400,000 |
| At a 0.85 mod | $340,000 |
| Gap between 1.25 and 0.85 | $160,000 a year |
05 / Client result
Steel erector / 85 employees / Western PA
A 1.24 mod kept the company out of hospital and school bids. We rebuilt their safety program, moved two open claims to closure and set up light-duty return-to-work.
"We bid work we could not touch three years ago."Frank D., President
Results depend on payroll, claims and carrier rules. Past results do not predict future premiums.
06 / Your account team
CIC
Principal
CRIS
Construction practice
ARM
Manufacturing and fleet
CSP
Risk control
CISR
Certificates and service
Send us your current policies and contracts. You get a written gap report and options in ten business days.