Workers’ Compensation for the Construction Industry
We work with carriers to tailor workers compensation coverage to help meet the needs of construction customers including:
- Artisan/specialty trade contractors
- Builders of predominantly single-family detached homes, with annual revenue of $20 million or more
- Construction managers
- Contractors operating under a workers’ compensation collective-bargaining agreement (CBA) or alternative dispute resolution (ADR) program
- Design-build firms
- General contractors
- Heavy and highway contractors
- Owners or sponsors of both public and private construction projects, including wrap-ups
- Owner-controlled insurance programs (OCIPs)
- Contractor-controlled insurance programs (CCIPs) and joint ventures
Coverage features
Coverage is available where third-party policies can be issued and may be provided for all employee exposures and locations. Additional options include:
- Stop-gap employers’ liability for monopolistic states
- United States Longshore and Harbor Workers’ Compensation Act (USL&H) for over-the-water exposures
- Maritime Act for operation of vessels
- Defense Base Act for work on military/embassy locations
- Foreign coverage for employees traveling/temporarily assigned outside the United
- States, including repatriation expenses and endemic disease coverages
- Volunteers for company-sponsored events
- Waiver of subrogation on a blanket basis
Program options
- Guaranteed cost
- Small and intermediate deductibles
- Large deductibles with combined aggregates and clash deductibles
- Retrospective rating plans
- Dividend plans
- Employers’ liability limits of up to $2 million
- Convenient payment terms
Risk engineering services
- Professionals dedicated to the construction industry with experience in risk assessment, program evaluation and exposure identification
- Consultative solutions designed to mitigate and reduce losses
- Industrial hygiene specialist to address environmental conditions in the workplace
Claims services
- Professionals who are focused on mitigating loss and returning injured employees to work
- Robust managed care program including: national preferred provider organization (PPO), integrated case management, medical bill review, treatment and utilization management, prescription management, early return-to-work
- FirstReport Online (FROL), for employee injury and illness recordkeeping and facilitation of OSHA reporting
- Proactive injury management
- Litigation management
- Special investigation unit
For more information about our firm and the services we offer, send us a quick email or call our office. We welcome the opportunity to speak with you.
info@dgbrokers.com | 866-781-2378