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U.S. Risk Insurance Group, Inc.
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U.S. Risk Insurance Group, Inc.
Contact Us
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Construction Workers Compensation Insurance

U.S. Risk Insurance Group, Inc. offers a specialized Construction Workers Compensation Insurance program underwritten through UPA, a managing general agency with more than a decade placing workers’ compensation coverage for construction clients. This program is tailored for agents and brokers who need dependable markets for hard-to-place or high-mod construction accounts across a broad geographic footprint.

Ideal Accounts and Appetite

UPA focuses on higher-risk and hard-to-place construction classes that often fall outside the appetite of standard carriers. This program is a strong fit for:
  • Heavy civil and heavy construction contractors
  • Roofing and exterior contractors
  • Multistate construction companies and contractors with operations in multiple jurisdictions
  • Accounts with elevated experience modification factors but primarily low-severity loss histories
  • Specialty or niche trades with complex or unusual exposures
Whether you represent a roofing contractor working in several states or a grading and excavation firm with frequent minor claims that drive a higher mod, UPA provides options when standard markets decline or decline to quote.

Coverage Highlights and Advantages

UPA partners with financially strong, A-rated carriers to deliver reliable workers’ compensation coverage tailored to construction exposures. Program advantages include:
  • Underwriting flexibility for hard-to-place risks
  • Underwriters with construction-specific expertise who can assess nuanced loss histories and operational complexity
  • UPAY-As-You-Go payroll option to align premium with actual payroll and help manage client cash flow
  • Premiums calculated on real-time payroll to reduce audit surprises and overpayments
The UPAY-As-You-Go feature is useful for employers with fluctuating payrolls or seasonal crews because premiums move with payroll activity, reducing audit adjustments at policy term.

Underwriting Notes and Minimum Premiums

UPA’s underwriting team applies construction-focused judgment to evaluate accounts with unusual operations or mixed loss experience. While the program does not state a universal minimum premium, competitive terms rely on complete submissions and evidence that the insured is actively managing safety and loss control. Provide detailed payroll, class code breakout, loss runs, and description of safety programs to accelerate evaluation.

Territories and Availability

The Construction Workers Compensation Insurance program is available in nearly all U.S. states, including major markets such as TX, CA, FL, NY, IL, and PA. UPA can write multistate operations and accommodate accounts with diverse geographic footprints.

Why Work With U.S. Risk and UPA

U.S. Risk and UPA combine deep construction industry knowledge, strong carrier relationships, and a hands-on underwriting approach to help agents place challenging construction accounts. With over 10 years of focused experience in construction workers’ comp and a dedicated underwriting team, UPA is positioned to provide practical solutions for accounts that need a specialized market.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program targets hard-to-place construction risks, including heavy construction, roofing, multistate operations, and accounts with high mods but low-severity losses.

Is this program available in all states?

The program is available in most U.S. states, including major markets like TX, FL, NY, and CA. Multistate operations are also eligible.

What carriers support this program?

UPA partners with financially strong, A-rated carriers to provide reliable workers’ compensation coverage for construction clients.

What is UPAY-As-You-Go and how does it help clients?

UPAY-As-You-Go is a payroll-based premium solution that calculates premiums on actual payroll, helping clients manage cash flow and reduce audit discrepancies.

Does UPA write accounts with high experience mods?

Yes. UPA considers accounts with elevated experience modification factors—particularly when losses are low severity—and offers underwriting tailored to the account's risk profile.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    A-rated
  • Commission:
    Varies based productivity
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

10210 N. Central Expressway, 500
Dallas, TX 75231
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APPLICATIONS

  • Login to UPA e-Access
    UPA e-Agencies can submit applications online through our submission platform called e-Access. In order to use e-Access, you will need to become a UPA e-Agent.

AGENCY LICENSING

To become a UPA appointed agency, please complete an agency profile online.
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U.S. Risk Insurance Group, Inc. has other insurance programs like Artisan Contractors Workers Compensation Insurance.