Specialty Brokerage · Heavy Civil & Infrastructure

Road & Highway Construction Insurance for Established Contractors

From paving and grading to bridge work and DOT prime contracts, UCI helps road construction firms protect their equipment, crews, and bonding capacity with coverage structured around heavy civil risk.

WRITTEN PREMIUMS

$ 0 M+

LICENSED STATES

GOOGLE REVIEWS

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TRUSTED CHOICE

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CPCU · CRIS

Credentialed Advisors

Who We Serve

Insurance Support for Work Zone Professionals

Whether you’re handling major commercial builds, residential systems, or municipal work, UCI helps you find the right coverage without the guesswork. We serve:

Commercial and residential plumbing contractors

Mechanical contractors managing large-scale installations

Service-based firms providing maintenance and repair

Utility contractors handling water and sewer mains

Fire protection specialists installing or maintaining sprinkler systems

Multi-crew teams handling high-volume or multi-location projects

Our Approach

Assess. Prevent. Protect.

Our process is designed to keep insurance simple, transparent, and aligned with how your business operates.

Assess: Understand Your Risks

We walk you through your current policies and explain your coverage in clear terms.

Prevent: Make Confident Coverage Choices

Our advisors guide you through available policies so you can make confident, informed decisions for your business.

Protect: Coverage That Matches Your Work

We stay by your side to help your insurance grow with your business.

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.

The Team

Why Leading General Contractors Choose UCI

Our team is built from construction insurance experts who understand the challenges of large-scale operations. We work with contractors like you to advise you on coverage and pick the best policy for your needs.

Ryan Munoz

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.

Joe Grebenstein

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.

Joe Hennessey

Licensed P&C Broker · Construction Specialist

Years of experience working with hard-to-place construction trades and niche contractor operations on high-stakes commercial projects.

Shawn Jason

Property and Casualty Licensed · CRIS Certified

Extensive experience supporting contractors with customized insurance programs, risk strategies, and coverage solutions for complex construction operations.

Client Voice

What Other Contractors Say About UCI

“Miami Roofing Solutions has had an excellent experience working with Affordable Contractors Inc. for our General Liability coverage. Their team provides outstanding service, quick response times, and competitive pricing tailored to contractors in the construction industry. They are professional, knowledgeable, reliable, and make the insurance process smooth and efficient. We highly recommend Affordable Contractors Inc. to any contractor or business looking for a dependable insurance agent who understands the industry and delivers great value.”

“Dennis V was absolutely the greatest. He listened to our needs and got us the coverage we needed in a timely fashion. He was super knowledgeable, professional, and extremely nice as well as accommodating. I would highly recommend him to anyone in need of commercial business insurance.”

“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 ACI 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!”

“This was my first time searching for this type of insurance, and Joe made the process simple and informative. He understood what I needed, clearly explained the different coverage options, and gave me the information I needed to make a confident decision. He was patient with my limited internet experience and walked me through each step until everything was complete. After 30 years in construction, this was by far one of the most helpful and easy-to-understand insurance conversations I've had. I will definitely recommend Affordable Contractors Insurance to other contractors.”

“They made it easy to get the specialty coverages I needed. So many others struggled to get me what was required and they knew what was needed and how to handle it. Amazing group and they got me up and running fast for way less than I was quoted elsewhere.”

*UCI is a division of Affordable Contractors Insurance (ACI)

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