Specialty Brokerage · Commercial Construction

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Coverage Depth

Why Choose ACI for Your Contractor’s Insurance?

While others focus on price and basic coverage, we provide strategic risk management solutions for contractors who’ve built their success on excellence.

Wrap-Up Insurance Programs

Enterprise vs. Basic Solutions

Strategic Partnership vs. Vendor Relationship

Verticals

Commercial construction verticals where UCI has done the work.

Each vertical has its own loss profile, carrier appetite, and contract language. We staff the practice accordingly, for a wide range of contractor types across all 47 states, including:

Commercial General Contractors

GCs hold the master policy and carry the risk for work their subcontractors perform, not just their own crews. Coverage has to account for subs, completed work, and owner contract terms.

Renewables / Solar

Solar and wind projects bring high equipment values and electrical work that many carriers are still cautious about. As a newer class, it needs coverage that keeps pace.

Mechanical & Electrical

HVAC, plumbing, and electrical trades face fire from hot work and water damage from failed connections. Each one needs coverage matched to how the trade actually operates.

Roofing (High-Limit)

Roofing is one of the toughest classes to insure. Height, torch-down heat, and weather drive up claims, and many carriers cap limits low or decline the work.

Concrete & Structural

Concrete, formwork, and structural steel carry heavy-equipment risk during the job and long-tail liability after. A frame that fails years later can still trace back to the contractor.

Restoration & Environmental

Water, fire, and mold work runs into pollution and mold claims that standard policies routinely exclude. This vertical needs environmental coverage written for the specific hazards involved.

Specialty Trade Contractors

Glazing, drywall, painting, flooring, and other niche trades each carry their own loss profile and carrier appetite. Coverage gets matched to the trade instead of forced into a generic policy.

Coverage Options

Coverage That Matches Your Project Demands

Your projects depend on precision and timing. Your insurance should, too.
UCI provides complete coverage for established contractors across all 50 states.

Commercial General Liability

Per-project aggregates, completed operations, wrap carve-outs, and additional insured language that holds up when contracts are tested.

OCIP & CCIP Programs

Evaluation, placement, and administration of owner-controlled and contractor-controlled insurance programs on GMP and design-build projects.

Subcontractor Default Insurance

SDI structuring compared with surety bonds. When SubGuard delivers more value than performance bonds and when it does not.

Excess & Umbrella Towers

$10M to $100M+ towers structured across admitted and E&S markets, with quota-share and layered placement expertise.

Builder's Risk

All-risk builder’s risk on ground-up, design-build, and renovation projects, including challenging perils like water damage and soft costs.

Surety Bonding

Bid, performance, and payment bonds with aggregate programs that scale across projects. Treasury-listed and private markets.

Don't See Your Specialty?

No problem! We provide insurance solutions for contractors across the entire construction industry. Our team will craft coverage that addresses your precise industry requirements.

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Let’s Move Your Business Forward

At UCI, we combine deep construction expertise with proactive service to reduce your risk exposure and protect project profitability. Whether you’re bidding on your next public contract or scaling into new markets, we’ll make sure your coverage evolves with you.

Speak with our insurance specialist today to start building a risk strategy that fits your operations.