Insurance for Oklahoma contractors who actually build something.

GCs, subs, design-builders, specialty trades. We know which carriers want residential remodel and which want commercial new construction — and we route your submission accordingly.

Common questions

Construction insurance, answered.

What trades and contractors do you cover?

General contractors, subcontractors, design-builders, and specialty trades — electrical, HVAC, plumbing, framing, concrete, roofing, demo, excavation, scaffolding, and crane. We know which carriers want residential remodel and which want commercial new construction, and we route your submission to the right one instead of forcing every contractor through the same market.

How fast can you issue a certificate of insurance?

Same day. We keep holder lists pre-loaded and issue certificates with the additional-insured stacking your contract requires — owner, general contractor, and lender, in the form each one demands. If your GC needs specific ongoing-and-completed-operations or primary-and-non-contributory wording, send us the contract and we'll match it rather than send a generic certificate that gets rejected.

Do you handle builder's risk and installation floaters?

Yes. We write builder's risk for the project and an installation floater for materials in transit and on-site before installation — a coverage that's frequently missed. We also bridge builder's risk to permanent property coverage at substantial completion so there's no uninsured day in between.

How we actually work the account

Your experience modification factor (EMOD) is half the conversation on workers' comp — the other half is whether the underwriter trusts your safety program. We build submissions that tell that story. For larger projects, we'll talk through whether an OCIP or CCIP wrap-up is the right move, and what it leaves uncovered on your standalone policy. We read the indemnification language in your subcontracts against the additional-insured endorsement your GC requires — and we'll flag the action-over claims exposure most subs don't realize they're sitting on. AIA documents on the desk, we'll walk you through which sections actually drive your insurance requirements. And our COIs go out same-day, with holder lists pre-loaded, so a bid-day request doesn't turn into a Monday-morning fire.

Operations we write

What we cover, day to day.

General contractors

Residential and commercial. Bid-day COIs, owner-controlled programs, builder's risk.

Subcontractors

Electrical, HVAC, plumbing, framing, concrete, roofing — class-specific GL and WC.

Specialty trades

Demo, excavation, scaffolding, crane — high-hazard markets when standard markets say no.

Restoration & remediation

Water, fire, mold — environmental endorsements built in.

Installation floater

Materials in transit and on-site before installation. Often missed; we don't.

Tools & equipment

Scheduled and unscheduled, on-job and off-job — anti-theft endorsements.

Common coverage gaps

The places generic agents leave you exposed.

COI support

We turn certificates same-day. Holder lists pre-loaded. Renewals stay in sync.

Additional-insured stacking

Owner, GC, lender — we add them all, in the form the contract requires.

Subcontracted work exposure

We write the right ongoing-ops endorsements when you're hiring trades you don't supervise.

Builder's risk gaps at substantial completion

We bridge to permanent property coverage so there's no uninsured day in between.

Programs we have access to

Direct appointments where it matters.

Residential GC programs
Commercial GC carriers
Trade-specific markets (E&O for design-build)
Bond programs for prime contractors

Sample timeline

From "tell us about it" to bound.

Day 0

Discovery call · review current policy + contracts

Day 1–3

Submissions out to 3–5 right-fit carriers

Day 5–7

Quotes back · we walk you through trade-offs

Day 8

Bind · COIs issued · holder list loaded

Ready when you are

Schedule with Erick Cummings.

Director of Commercial Lines