Workers' compensation insurance for construction companies
Offer your construction and contracting clients workers' compensation coverage built around their risk. Our claims intelligence and a dedicated team of experts support every policyholder from underwriting through claim resolution.
Kinetic workers' comp is built for construction accounts with a $100,000 minimum premium. Below is a selection of covered classes, view our full class list for everything in appetite:
3040 Iron or Steel Fabrication (Ornamental)
5221 Concrete or Cement Work--Floors, Driveways, Yards, or Sidewalks & Drivers
5506 Street or Road Construction--Paving or Repaving
Written on A-(Excellent) rated paper with Stonetrust Insurance. No dividend eligibility.
Exclusions
No 100% residential
No heights greater than two stories
No roofing contractors, unless written as part of a General Contractors workers' compensation policy and then not to exceed 15% of the policy's payroll.
No risks in the business of asbestos-related work.
No wrecking or demolition of buildings or structures.
No Aircraft exposure. No Mid-term business, unless they are coming out for PEO or Captive. No business with less than 3 years of prior workers comp coverage upon policy inception date. No 1099 Exposure greater than 40%. No risks coming out of a PEO, unless they have their own NCCI or state bureau ex-mod. No Staffing Agencies. No USL&H. No Jones Act. No Maritime Employers Liability. No Foreign Coverage. No Retroactive policies. No Large risk alternative rating option (LRARO).
Why brokers place construction accounts with Kinetic
Real-time claims intelligence and an expert team give your clients control of their claims and their costs.
Built-in savings
Pricing built for construction risk and embedded services that drive down claims costs.
Better claims control
Claims intelligence surfaces real-time insights, so claims move forward instead of dragging out.
Specialized expertise
An expert-led team guides your client through claims, return-to-work, and loss control.
Where we're seeing success
Kinetic partners are writing frontline workers' compensation accounts across the country and seeing measurable results.
Parcel Delivery
Class Code: 0808 State: PA
Bound Premium:
$309,929
Manufacturing
Class Code: 2812 State: CA
Bound Premium:
$91,113
Janitorial
Class Code: 9008 State: CA
Bound Premium:
$189,347
Parcel Delivery
Class Code: 7231 State: CT
Bound Premium:
$200,450
Hotel
Class Code: 9050 State: CA
Bound Premium:
$238,197
Parcel Delivery
Class Code: 7231 State: GA
Bound Premium:
$228,493
Janitorial
Class Code: 9008 State: CA
Bound Premium:
$205,855
Send in your construction workers' comp submission
Email your client's details, including:
ACORD 130
Current year and 3 prior policy periods of loss runs
