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