Ideal Accounts and Appetite
Our program targets a broad range of construction trades. Typical accounts include:
- Roofers
- Plumbers
- Electricians
- General contractors
We can accommodate established operations as well as new ventures or accounts with a prior lapse in coverage. In many common classes, clients who have been in business for at least two years and maintain current coverage may qualify for guaranteed-cost options.
Coverage Highlights and Advantages
- Guaranteed-cost workers compensation available for most general classes
- Competitive solutions for new ventures and accounts with prior lapses
- Access to multiple top-rated carriers for flexible underwriting and broader capacity
- Minimum premium starting at $1,500
Examples of good fits: a roofing contractor expanding into multi-state projects, or a small electrical contractor with a clean loss history seeking stable, guaranteed-cost pricing.
Underwriting Requirements
To request a quote, submit the following:
For the best possible pricing, include:
- At least 4 years (preferably 5) of currently valued loss runs (within 90 days of the effective date)
- 4 years of aggregate payroll data
- Current experience modification worksheet (if available)
- Detailed reports for any individual losses over $50,000
Territories and Availability
This Construction Workers Compensation Insurance program is available in all U.S. states, including Washington, D.C. Whether the account operates in California, Texas, Florida, or elsewhere, Phoenix Risk Management can help identify appropriate carrier placement and appetite.
Why Work With Phoenix Risk Management?
Phoenix Risk Management combines deep construction industry expertise with broad market access. As an MGA and E&S broker, we handle standard and hard-to-place risks, leverage multiple A-rated carriers, and provide underwriting flexibility for complex or multi-state exposures. Our underwriters focus on pragmatic solutions to keep accounts placed and policies binding with competitive terms.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We focus on construction trades such as roofers, electricians, plumbers, and general contractors. Both established operations and new ventures can be considered, including accounts with prior lapses.
Is coverage available in all states?
Yes. Our program is available in all 50 states and Washington, D.C.
Can you work with accounts that have had a lapse in coverage?
Yes. We can consider risks with prior lapses and newly established businesses—submit full underwriting information for best consideration.
What is the minimum premium for this program?
Minimum premium starts at $1,500, though final pricing depends on class, payroll, loss history, and state filings.
What documents are needed to get a quote?
Provide a completed and signed ACORD application, the PRM supplemental application, and for best pricing, loss runs, payroll history, and any available X-Mod worksheet.
Need help placing an account? Connect with a market specialist.