# Construction Insurance & Risk Management > Risk management built to protect project margins. WithCoverage shows construction operators exactly where their current program is exposed, before a claim does. Source: https://www.withcoverage.com/industries/construction # Risk Management Built to Protect Project Margins 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. Talk to our team (contact form on this page) _Image: Aerial view of a high-rise under construction among downtown towers_ Logos: Cuby, Modern Roofing and Construction, Texas Roofing, Starke Contractors, Romair, Lonnie Lischka Company, Tri Fire Solutions, Goltz Asphalt Company ## Why Construction Operators Trust Us _Image: Boom lift basket among the steel beams of a building under construction_ WithCoverage helps construction operators build the future - 99% Client retention - 20-40% Annual policy savings Lonnie Lischka Company > 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 headshot Justin Lischka President, Lonnie Lischka Company ## Your Risk Management Team [Learn more](https://www.withcoverage.com/solution) Partner with a team of insurance experts, attorneys, and claims specialists that specialize in your exact type of business and industry. Insurance expert Insurance attorney Claims manager Loss control specialist ### AI Analyzes Our AI platform empowers our team to analyze and compare policies, make better recommendations, and deliver superior advice and service. _Image: Animation showing AI extracting and comparing insurance policy information_ ### Experts Advise Our team first executes a plan to better protect your business and save you money. Then we’ll proactively manage your risk as you grow. _Image: Animation showing a product recall deductible reduced from $50,000 to $10,000 by a WithCoverage policy agent_ ## One Digital Platform To Deliver You A Seamless Experience [See how we manage risk](https://www.withcoverage.com/solution) ### Policy Management: All your policies in one place _Image: WithCoverage platform policies screen listing active policies with carriers, policy numbers, expirations, and premiums_ ### Claims Management: Intake, Monitor, and Analyze _Image: WithCoverage claims analytics and tracking screen_ ### COIs: Issue and track COIs faster WithCoverage certificates of insurance screen ### Exposures: Auto, locations, and hazard risk _Image: WithCoverage exposures screen with a list of insured locations and a flood, wind, quake, and wildfire risk map_ ### Renewals: Centralized communications _Image: WithCoverage renewal proposal showing an executive summary and coverage recommendations_ ## Our thinking on construction risk _Image: Delivery van moving through a blur of stacked packages_ ### Phil's Podcast A construction-focused conversation on insurance strategy, risk visibility, and what operators should be asking before they hit renewal pressure. Podcast [Watch the video](https://www.youtube.com/watch?v=qdbmYDJ0zLc) thumbnail ### Your Bonding Capacity Is Killing Your Construction Pipeline A practical read on how surety constraints can slow project growth, strain cash flow, and block otherwise qualified work. Article [Read more](https://www.toughleaf.com/blog-posts/your-bonding-capacity-is-killing-your-construction-pipeline) ## Find out 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 where you’re overpaying. ## Have Questions? **What does a program audit involve?** We read every page of every policy in your program, General Liability, Product Liability, Workers' Comp, Property, umbrella. We benchmark your terms, limits, and premiums against what the market is giving businesses like yours right now. You'll see exactly where your coverage stops and where you're paying twice. **Do I have to leave my current broker?** No. The first two steps are on us, no agreement, no cost. Plenty of operators run the audit as a second opinion at renewal and stay right where they are. If the numbers make the case for moving, it takes one signature on your end, and we handle the carriers, the paperwork, and the timing. **How long does the assessment take?** Usually one business day from the moment we have your policy documents. Programs spanning multiple entities or locations take a little longer, and we'll tell you which one you are before we start, not after. **Who will actually manage my account?** The same people, every time. A named risk manager, backed by in-house attorneys and claims specialists who work in construction all day. They will handle your renewals, COIs, claims, and questions about if your business is protected. **What does WithCoverage cost?** WithCoverage typically works for a flat fee agreed before we start. Because that fee doesn't change with your premium, we can negotiate for the coverage you need without our compensation increasing when your insurance costs do. In some cases, clients choose a commission-based arrangement, or state law requires one; we'll disclose that structure clearly before we begin. ## Focus on your business, We’ll handle the Rest Talk to our team (contact form on this page) --- This is the markdown version of https://www.withcoverage.com/industries/construction for AI agents. The site index for agents is at https://www.withcoverage.com/llms.txt. To talk to the WithCoverage team, use the contact form on any page.