Your construction liability insurance needs to be flexible enough to adapt to the different sites and types of projects.
Heffernan's construction experts can help you navigate:
- Contractor Liability Insurance
- Surety & Subcontracting Default Insurance
- Contractor Workers' Compensation Insurance
- Contractor Controlled Insurance Programs/Wrap Up Insurance
- Vehicle Insurance
- Environmental Impact Insurance
- And more
Heffernan Insurance Brokers has the experience to help you through these complex offerings. We can also package together the right mix of products to meet your business needs in a comprehensive risk management portfolio. If you need to file a claim, our agents are also ready to quickly and professionally assist you, no matter how complex or catastrophic.
Wrap Up Insurance / CCIP
We can also help you judge the right wrap-up insurance for large construction projects, providing Contractor Controlled Insurance Programs (CCIP) that includes general liability, workers' compensation, and more in one package.
Our dedicated wrap-up team has managed over $30 billion of construction values. Our proprietary software system allows you to customize the service model and provides real time, 24/7 access to the administration system.
Managing Risk With Heffernan
Regardless of the size of your organization or the scope of work you perform, having an understanding of your financial risks is important if you want to maximize profits and grow your business. Heffernan agents have the capability to evaluate your business and provide a detailed and targeted risk management solution that is built to your needs.
Heffernan brokers will examine a number of factors in evaluating the risks to your business:
- Past claims
- Size and scope of work your company provides
- Type of projects you work on
- Public or government-funded projects
- Make-up of your workforce
As a client, you will have the benefit of using our proprietary Risk Management Center, a web-based platform that allows you to track key documents (such as OSHA compliance certificates), incident and claim information, and job hazard/safety analysis. Our loss control team routinely visits jobsites to keep abreast of potential issues and can provide experience modification projections on long-term projects.
Surety and Construction Bonds
Heffernan has extensive experience in delivering bonding solutions to the construction industry, from a simple, small project all the way up to multi-million dollar, highly complex projects. Our agents are trained to fully serve your bonding needs quickly and efficiently. We have relationships with the top bonding agencies in the United States and overseas. Heffernan can place bid bonds, performance bonds, maintenance bonds, and more.
A Closer Look at Workplace Safety
Oftentimes, reducing risks and financial liability means an increased focus on workplace safety for those involved in the construction industry. Insurance underwriters know there is a direct correlation between increased workplace safety practices and fewer claims. Heffernan’s experienced construction insurance professionals are ready to help you evaluate your current workplace safety practices and identify ways to improve safety with an eye for mitigating risk and financial liability. This is vitally important if you are obtaining a CCIP where a good workplace safety program is key to reducing claims and, in turn, costs.
Our insurance brokers are ready to discuss your construction business insurance and risk management needs. Contact us today to see why Heffernan is the smart contractor’s choice for the full range of contractor insurance services.
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