Construction Insurance
Construction
You deserve a trusted advisor who provides the best protection at the lowest overall cost. We don't just sell you an insurance policy: we take a 360-degree view of your operations with a focus on finding ways to reduce risk and prevent loss. We thoroughly assess your overall operation, looking for gaps that need to be bridged to protect your interests.
Backed by a dedicated construction unit, we assist with certificates, contract review for insurance requirements, and issues of regulatory compliance. We are your advocate in:
claim mitigation and investigation
monitoring claim reserves
identifying subrogation opportunities
controlling insurance costs
Key Services
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Our broad market access allows us to provide bid, performance, and other bonding requirements to ensure that you are matched with the best surety writer.
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We offer you an entire program of human resource services to help protect you and your employees. This program includes training modules, communication materials, and a wide range of tools to make everyone safer, more efficient, and compliant with workplace regulations.
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We conduct a ground-up exposure assessment, looking for gaps in your current coverage that put you at risk. We provide construction-focused coverages and examine the rating factors and exposures used on all lines of insurance to ensure you are getting the lowest price.
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Going through OSHA or DOT audits can put a strain on your business. We review your operation for compliance with all the regulations you encounter.
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A high workers' compensation experience modification rate (EMA) not only increases your premium but can prevent you from securing key contracts. We review your current EMA and can project your future EMA. We find ways to keep your EMA under control through claims advocacy and careful review of rating factors.
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We assess contract agreements you have with owners, general contractors, subcontractors, and other parties to ensure that your risk management program protects you. We also find ways that you can structure contracts to lessen your liability.
“Braman Services understands the challenges that we face in the construction industry. They help us with everything from contract review to advice on risk management.”
