A Risk Management Team
In-house expert advice with flat fees
Construction Risk Management
Construction insurance built to protectproject margin
One gap in GL, Builder's Risk, or Workers' Comp can wipe out a year of project profit. We show you exactly where your current program is exposed before a claim does.
Built for Construction
Policy analysis, benchmarking, claims support, and specialist advisory in one risk management model.
Risk focus
GL, WC, Builder's Risk
Trusted By Great Companies
A Risk Management Plan
Protect your business & reduce risk
One Digital Platform
Manage all your policies in one place
Construction pain points
The risks your broker
should already be naming
Construction firms carry risk across jobs, subcontractors, schedules, payroll, equipment, and contracts. A traditional broker usually sees that complexity once a year at renewal. Your exposure changes every week.
01
Coverage gaps across active jobs
Your policy has gaps. We review GL, Builder's Risk, Workers' Comp, umbrella, auto, certificates, and contract requirements around how the work actually gets done.
02
Premium shock at renewal
Construction premiums can pressure margin fast. We benchmark the program and carrier market before accepting the first renewal quote.
03
Claims that erase project profit
One injury, subcontractor issue, or property loss can turn into a costly gap. We have a team of claims attorneys and proprietary software to make sure you're protected.
Traditional broker vs WithCoverage
The gap should be obvious
after the first conversation
For Construction, risk doesn't wait for renewal season. Without proactive risk management, issues slip through the cracks, leaving companies underinsured, overpaying, or often both.
Traditional broker
Sets coverage, waits for renewal, and reacts after a claim.
Reviews policies as documents instead of as a live project portfolio.
Leaves teams to connect contracts, payroll, certificates, and claims across inboxes.
WithCoverage
Builds a risk plan around projects, trades, payroll, contracts, and changing exposures.
Uses AI-backed policy analysis to surface gaps, exclusions, and benchmarking opportunities.
Keeps policies, COIs, claims, applications, and renewal context organized in one operating model.
BUILT FOR Construction
Same platform and team.
Deep Construction expertise.
We actually understand your risks because we've been on your side of the table. OCIP/CCIP, surety and bonding, subcontractor default, project-specific GL: one team handles all of it, and stays with you at every step.
Project-aware policy review
We pressure-test GL, Builder's Risk, Workers' Comp, umbrella, auto, certificates, and contract requirements before gaps become claims.
Renewal benchmarking
Your program is compared against carrier appetite and construction-specific market options before renewal pressure spikes.
Claims and safety support
Our claims team helps manage the process, coordinate documentation, and identify operational fixes that can reduce repeat exposure.
Expertise areas for Construction
General LiabilityBuilder's RiskWorkers' CompSubcontractor COIsClaims AdvocacyContract Review+ More
HOW IT WORKS
A proactive plan built
before you commit
We analyze your current program, build a risk plan around your business, then manage it with you year-round. The first two steps are on us before any agreement or cost, so you see the value before you decide.
01
Analyze the current program
We review policies, renewals, claims, certificates, contracts, and business context to identify gaps and market opportunities.
02
Build a proactive risk plan
Your team gets a clear plan for coverage, pricing, operational risk, and the decisions that should happen before renewal.
03
Manage risk year-round
WithCoverage supports policies, COIs, claims, renewals, benchmarking, and ongoing advisory in one operating model.
Why Businesses Trust Us
"We operate in a niche space - pre-fabricated home manufacturing and building - and most brokers couldn't wrap their arms around our actual risk & exposures. WithCoverage built us a bespoke ground-up insurance program from scratch, including annual practice programs, a rolling CCIP, and a master builders risk program. They personally introduced us to carriers across the country, ran site visits at our Test Home locations, and paired us with the right markets for our model. They are the partner we needed.""
Aleksandr Gampel, Co-Founder
"We grew revenue from $5M to $20M and were bracing for a massive insurance cost jump - flat-rate market alternatives were quoting around $200K. WithCoverage repositioned our risk around our subcontractor-focused operations rather than just revenue, achieved a 57% reduction in GL rate per $1,000 of revenue, and saved us over $125K in premium with improved coverage (including Hired & Non-Owned Auto at no additional cost). They also caught a key workers comp gap and helped us tighten up our subcontractor agreement. Highly recommend working with this team!"
William Skuba, Owner
"Our prior broker had been placing Builders Risk with the same carrier for years, insisting it was the cheapest option. WithCoverage challenged that, went back to the existing carrier and put six others alongside it, and proved there were better options on premium, deductible structure, and soft-costs coverage. The experience showed us what proactive marketing actually looks like"
Russell Protti , Financial Controller
"WithCoverage saved us over $100K in annual premium - more than 30% off our total insurance spend - and aligned incentives with us through a transparent flat fee model. They paired us with sustainable Workers Compensation, Auto, and General Liability carriers through a competitive RFP, and actively managed our open claims. Even with some prior loss history, they delivered a 35% premium reduction by comprehensively marketing the program and articulating the controls we'd put in place. They are exactly the partner a growing business needs."
Tatiana Bullock, HR Manager
"After more than 15 years with the same broker, we were apprehensive about making a change. We gave WithCoverage the opportunity to quote alongside them, and even though our incumbent blocked access to most markets, WithCoverage still delivered over $80K in annual savings on our Property and Inland Marine program. Just days before renewal, they successfully moved our entire insurance program and turned around more than 300 COIs in a single day. We only wish we had switched sooner."
Justin Lischka, President
"Auto liability is our largest insurance spend and we were stuck on Progressive's 6-month policy term in California, getting hit with rate increases every cycle. WithCoverage found us alternative carriers willing to write the business on an annual term at a lower overall rate. Real expertise and real results."
Matthew Thomsen, Co-founder and President
"We lease equipment to Fortune 1000 companies globally but never take risk of loss - and despite leasing only new equipment, we were being rated as a used-equipment rental company, which is a high-hazard industry. WithCoverage worked with their carrier partners to reclassify and redefine the risk to actually reflect our operations, and achieved a 37% rate reduction even with our exposures up 45% year-over-year. On top of that, they consolidated nine renewal dates across 17+ policies down to a single renewal for eight of our policies. A massive win on both sides."
Jack Kariotis, Chief Operating Officer
"WithCoverage has consistently delivered better service than our prior broker - quick turnaround on COIs, proactive help unwinding billing issues we'd inherited, and a team that's responsive when we need them. The platform keeps everything organized in one place. They are the modern partner the brokerage industry has been missing."
Todd Eggleston, Executive Officer
"We operate in a niche space - pre-fabricated home manufacturing and building - and most brokers couldn't wrap their arms around our actual risk & exposures. WithCoverage built us a bespoke ground-up insurance program from scratch, including annual practice programs, a rolling CCIP, and a master builders risk program. They personally introduced us to carriers across the country, ran site visits at our Test Home locations, and paired us with the right markets for our model. They are the partner we needed.""
Aleksandr Gampel, Co-Founder
"We grew revenue from $5M to $20M and were bracing for a massive insurance cost jump - flat-rate market alternatives were quoting around $200K. WithCoverage repositioned our risk around our subcontractor-focused operations rather than just revenue, achieved a 57% reduction in GL rate per $1,000 of revenue, and saved us over $125K in premium with improved coverage (including Hired & Non-Owned Auto at no additional cost). They also caught a key workers comp gap and helped us tighten up our subcontractor agreement. Highly recommend working with this team!"
William Skuba, Owner
"Our prior broker had been placing Builders Risk with the same carrier for years, insisting it was the cheapest option. WithCoverage challenged that, went back to the existing carrier and put six others alongside it, and proved there were better options on premium, deductible structure, and soft-costs coverage. The experience showed us what proactive marketing actually looks like"
Russell Protti , Financial Controller
"WithCoverage saved us over $100K in annual premium - more than 30% off our total insurance spend - and aligned incentives with us through a transparent flat fee model. They paired us with sustainable Workers Compensation, Auto, and General Liability carriers through a competitive RFP, and actively managed our open claims. Even with some prior loss history, they delivered a 35% premium reduction by comprehensively marketing the program and articulating the controls we'd put in place. They are exactly the partner a growing business needs."
Tatiana Bullock, HR Manager
"After more than 15 years with the same broker, we were apprehensive about making a change. We gave WithCoverage the opportunity to quote alongside them, and even though our incumbent blocked access to most markets, WithCoverage still delivered over $80K in annual savings on our Property and Inland Marine program. Just days before renewal, they successfully moved our entire insurance program and turned around more than 300 COIs in a single day. We only wish we had switched sooner."
Justin Lischka, President
"Auto liability is our largest insurance spend and we were stuck on Progressive's 6-month policy term in California, getting hit with rate increases every cycle. WithCoverage found us alternative carriers willing to write the business on an annual term at a lower overall rate. Real expertise and real results."
Matthew Thomsen, Co-founder and President
Free assessment
See what your current program
is missing
A full audit of your current program, benchmarked against the market, where we show what isn't covered, and what you're overpaying for.
“After more than 15 years with the same broker, we were apprehensive about making a change. We gave WithCoverage the opportunity to quote alongside them, and even though our incumbent blocked access to most markets, WithCoverage still delivered over $80K in annual savings on our Property and Inland Marine program. Just days before renewal, they successfully moved our entire insurance program and turned around more than 300 COIs in a single day. We only wish we had switched sooner.”
Justin Lischka
President, Lonnie Lischka Company