UCI delivers more than policies. We deliver confidence at scale. From licensing and carrier access to project-specific risk solutions, we’re built to serve contractors managing high-value, multi-state, and compliance-heavy operations. Our qualifications match the complexity of the work you do.
UCI is licensed in all 50 states and maintains long-standing relationships with national and surplus lines carriers equipped to handle high-limit, high-complexity risks. Our clients benefit from:
Access to carriers rated from A- to A+
Minimize business risks with our endorsements
Best prices based on loss history and safety
Built for your large-scale project needs
Get insured fast even on multi-state projects
We don’t offer generic packages. We structure programs that align with how you operate, what you build, and where you work.
OCIP, CCIP, and Wrap-Up Insurance Programs
Project-specific policies and rolling master programs
Modular coverage architecture for growing firms
Historical loss run analysis
Mod rate review and improvement strategy
Safety and compliance consultations
Subcontractor risk transfer and COI systems
In-house claims advocacy
Support with documentation, adjuster coordination, and resolution
Guidance during premium audits and carrier reviews
Verticals
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:
01
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.
02
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.
03
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.
04
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.
05
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.
06
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.
07
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.
Speak directly with one of our construction insurance experts. Let’s talk about how we can design a program that supports your operation and grows with it.