Specialty Brokerage · Commercial Construction
Unlimited Contractors Insurance is a specialty commercial brokerage for established contractors at $10M+ in annual revenue.
We design and administer insurance programs for general contractors, specialty trades, design-build firms, and renewables EPCs running GMP contracts, wrap-ups, and complex risk transfer.
Carrier Relationships
Travelers · Liberty Mutual · Zurich · CNA · AIG · The Hartford · Berkley · Chubb
WHO WE SERVE
We advise three levels of commercial construction firms. If you’re still shopping small GL policies for a crew of five, our sister brand Affordable Contractors Insurance is the faster fit.
Band I · Specialty Trade
Mechanical, electrical, roofing, concrete, demolition, restoration. Subcontract work on commercial GMP projects where additional insured endorsements, waivers, and contract language actually matter.
Typical premium
$35K – $180K
Program focus
GL · Auto · WC · Excess
Stewardship
Quarterly review
Account team
Dedicated producer + account manager
Band II · Mid-Market GC
Vertical commercial, medical office, multi-family, light industrial, tenant improvement and fit-out at scale. SDI evaluations, contractor’s professional for delegated design, wrap-up eligibility.
Typical premium
$180K – $750K
Program focus
GL · Auto · WC · Excess · CPL · Pollution
Stewardship
Monthly with mid-term reviews
Account team
Senior client executive with risk control support
Band III · Enterprise
GMP at scale, OCIPs, CCIPs, project-specific programs, excess towers to $100M+, builders risk on complex design-build, international and DBA.
Typical premium
$750K – $7M+
Program focus
Wrap-ups · Towers · Surety · Builders Risk
Stewardship
Dedicated practice team
Account team
Practice leader with analytics and claims advocacy
Our Approach
Most brokers shop the market when renewal hits. UCI operates on a four-phase stewardship cycle that runs year-round and starts before placement — the same cycle a CFO at a larger commercial contractor expects from a national broker, delivered at the scale of a specialty firm.
01
Find the exposure before any market is approached.
UCI starts with an on-site review of the project portfolio, a five-year analysis of loss runs and EMR history, a read-through of active contract templates, and a named-perils exposure analysis. The output is a written assessment the contractor or owner can use to make decisions.
02
Build the program before carriers are involved.
Limits modeling, retention strategy, wrap eligibility analysis, SDI versus bond comparison where applicable, and tower construction across primary and excess layers. UCI defines the structure; carriers respond with options that fit it.
03
Structured submissions to executive-level underwriters.
UCI places the program across 30+ carrier appetites in commercial construction, admitted and E&S markets. The marketing package is written for executive-level underwriters, and the bid timeline is coordinated rather than open-ended.
04
Year-round, not renewal-week.
Certificate issuance, subcontractor compliance tracking, mid-term contract reviews, claims advocacy, and EMR monitoring. The engagement closes each year with a written annual stewardship report rather than a renewal-week phone call.
Solutions
UCI places the full commercial construction insurance program, not just the GL coverage a contractor already has in place. The practice covers nine specialty areas, each staffed with senior advisors who write that line as their primary work.
01
Per-project aggregates, completed operations, wrap carve-outs, and additional insured language that holds up when contracts are tested.
02
Evaluation, placement, and administration of owner-controlled and contractor-controlled insurance programs on GMP and design-build projects.
03
SDI structuring compared with surety bonds. When SubGuard delivers more value than performance bonds and when it does not.
04
$10M to $100M+ towers structured across admitted and E&S markets, with quota-share and layered placement expertise.
05
All-risk builder’s risk on ground-up, design-build, and renovation projects, including challenging perils like water damage and soft costs.
06
Bid, performance, and payment bonds with aggregate programs that scale across projects. Treasury-listed and private markets.
Our Approach
A commercial construction insurance program works when the structure matches the contractor’s contracts, projects, and operations. UCI builds programs that address the operational realities where most contractor programs fall short.
When a contractor has several large jobs underway at once, one large claim should not jeopardize protection on every other active project. UCI structures coverage so limits, aggregates, and reporting are reviewed in relation to the size, number, and type of projects the contractor is running.
Contractor exposure does not always end at project completion. Problems tied to completed work can surface months or years later. UCI reviews completed operations coverage in light of the work the contractor performs, the states the contractor operates in, and the obligations that may continue after closeout.
Enforcement disputes can happen when subcontracts require one thing and the underlying policies deliver another. Coverage at this scale needs language that matches active contract templates, with endorsements that hold up when bids are reviewed, claims are filed, or renewals come due.
A program is only as good as how it responds when a claim is filed. UCI manages claims advocacy through reporting, documentation, carrier negotiation, and resolution rather than handing the contractor off to a claims department after binding.
Verticals
Each vertical has its own loss profile, carrier appetite, and contract language. We staff the practice accordingly.
Buyer Types
UCI works with commercial contractors and project owners whose insurance programs need to support multi-state operations, contract-heavy engagements, large projects, and the operational realities of established commercial construction.
Commercial General Contractors
Design-Build and EPC Firms
Large Builders and Developers
Multi-phase residential, commercial, and mixed-use development.
Mechanical and Electrical Contractors
Commercial-scale mechanical, electrical, and integrated systems work.
Commercial Roofing Contractors
Restoration and Environmental Contractors
Commercial restoration, environmental remediation, and disaster response at scale.
Heavy Civil and Infrastructure
Specialty Trade Contractors
Concrete, excavation, demolition, glazing, waterproofing, fire protection, and other high-hazard commercial trades.
Private Developers and Institutional Owners
Public Agencies and Municipalities
Government entities running infrastructure, transit, civic, or large public works projects where the owner controls coverage standards across the project.
Universities, Hospitals, and Institutional Owners
Case Work
Case 1
Renewables & Solar EPC
34%
Premium reduction vs expiring
$42M
Excess limit placed
11 wks
Placement cycle
Case 2
Commercial GC, Medical Office
$180M
Construction value under program
70+
Enrolled subcontractors
Zero
Gap claims to date
Case 3
Mechanical Contractor
1.32 → 0.91
EMR reduction
22%
Workers comp premium cut
18 mos
Plan duration
"
Quick response and follow up call to discuss my needs. The estimate came fast and included options to limit my exposure beyond a standard policy. I shopped around but came back to UCI because of their knowledge, guidance and my general ease of understanding what I was getting. Joelle was great to work with. My new liability policy will grow with my business and keep me protected!
Scott M.
Verified Client
Insights
The articles below cover the topics commercial contractors and project owners research before significant insurance decisions. Each piece is written by UCI’s practice leaders and explores a single topic in depth.
Article 01 · Insurance Checklist
How to structure insurance so large construction projects can move forward without coverage gaps slowing growth or exposing the business.
Article 02 · Large-Scale Contractors
How large contractors can avoid coverage gaps, lost endorsements, project disruption, and hidden risk during the transition.
Article 03 · General vs Excess
How high-revenue contractors should layer general liability and excess liability to protect their business avoid catastrophic claims exhausting primary coverage.
The Team
When you call UCI, you reach a senior producer by name. Not a rotating queue.
CRIS · MBA · Licensed P&C Agent
Senior advisor on large, complex contractor accounts with detailed insurance requirements built into their contracts. Manages a book exceeding $6M in premium.
CRIS · B.L.A.S., Arizona State
Commercial insurance specialist focused on construction and contractor risk. Works extensively with large, complex contractor accounts across multi-state operations.
Licensed P&C Broker · Construction Specialist
Start the Conversation
A senior advisor will reach you within one business day to schedule a discovery call. Bring your current declaration pages, five-year loss runs, and the contract on your largest active project. UCI will bring a written exposure analysis.