Construction & Contractors

Contractors face unique risks and require a vigilant risk management program to protect their assets against lawsuit and claims.  The rate of failure for contractors typically runs about 14 percent annually and many more do not make it to the five-year mark.  Why?

There are numerous reasons and one of our construction risk management professionals would be happy to have that conversation with you, but the one common thread in many of the most cited reasons traces back to a failure to plan.  Often at the heart of this failure to plan, is the necessity to manage risk appropriately, it guides every decision you make along the way.

One of the basic tenants of risk management is that every business activity creates risk, whether you’re signing a contract, renting a piece of equipment, constructing a duplex, subcontracting work, or sending a staff member to the store for staples.  The key is to identify those risk, then develop and implement strategies for managing that risk, and a robust insurance program is at the center of that process.


For 23 years we’ve been working with construction contractors in Alaska and the Pacific Northwest, from large multi-million dollar road paving operations to smaller residential remodelers and every trade and artisan in between, it’s an industry we know and understand.

Business Insurance Associates retains three certified Construction Risk Insurance Specialists (CRIS) with the International Risk Management Institute (IRMI) on our staff, a dedicated surety department familiar with construction accounting and finance, and access to the top local, regional and national insurance carriers and surety companies.

Every contractor is unique and should have programs in place to address those unique exposures, it’s not a matter of if something goes sideways, but rather when, and having key protections in place can be critical to protect the company, the shareholders and ensure long-term viability.

You’re an expert in your industry, you have every right to expect those working with you in professional capacity also be experts in your industry.  Contact our office to learn more about how Business Insurance Associates can be a key asset in your business.

Request a Proposal


  • General liability
  • Professional liabilityFF
  • Commercial Auto
  • Workers Compensation
  • Property & Equipment
  • Builders Risk
  • Employment Practices Liability
  • Cargo & Inland Marine
  • USL&H
  • Contractor License Bonds
  • Right of Way & Permit Bonds
  • LegalShield
  • Bid, Performance & Payment Bonds


  • Contract Review & Consultation
  • Financial Review & Consultation
  • Bid Spec Review & Consultation
  • Subcontractor Management
  • Safety Planning & EMOD Consultation
  • Risk Management Consultation
  • Workers Comp Consultation
  • Audit Review & Consultation
  • Industry Contacts
  • Human Resources Consultation
  • Project Specific Certificates & Endorsements


There is money to be made in having an effective safety program?