Specialty Brokerage · WORKERS' COMPENSATION

Workers' Compensation Insurance for Contractors at $1M+

For contractors with growing crews and work across more than one state, UCI sets up workers' compensation that fits the work your people actually do, what your contracts ask for, and your safety record. The goal is simple: if someone gets hurt on the job, you have coverage that handles it, not an unexpected bill, a legal problem, or a job you can no longer bid on.

WRITTEN PREMIUMS

$ 0 M+

LICENSED STATES

GOOGLE REVIEWS

0 star

TRUSTED PILOT

0 star

CPCU · CRIS

Credentialed Advisors

What We Do

Workers' Compensation Built for Your Payroll, Class Codes, and Contracts

A standard small-business policy treats your company like any other. For a contractor with real payroll and crews on the move, that is where the trouble starts: a year-end audit with a surprise bill, one claim that raises your costs for years, or a contract you’re ready to sign that asks for coverage you don’t carry.

A UCI advisor looks at the work your crews do, your safety record, and what your contracts require, then finds coverage that fits. That means fewer audit surprises, stronger coverage, and more jobs you can say yes to with confidence.

Our Approach

A Better Process for Placing Your Workers' Compensation Coverage

Our four-phase process fits your workers’ compensation program to your payroll, your class-code mix, and the contract and state requirements that govern where your crews work.

The result is more than a policy quote. It is a program shaped by how your business hires, where it operates, and how its claims history is rated.

Discovery

Find issues before they become project problems.

We review your current program, your payroll by class code, your loss runs, and the contract language that sets your coverage requirements. This is where misapplied codes, experience-modifier drivers, and unverified subcontractor coverage come to light, before they affect your pricing or your eligibility to bid.

Design

Design coverage around the contracts you actually sign.

We shape a program that matches your class-code mix, your multi-state footprint, and the limits your contracts require. Where it helps, we coordinate workers’ compensation with your general liability and umbrella so the program reads as one set of decisions, not separate policies pulling in different directions.

Placement

Secure coverage that fits the way your business operates.

We bring your program to carriers experienced in construction payroll and class-code rating, present your loss history and safety record in a way that reflects the real risk, and confirm the program satisfies the contract and state requirements you work under.

Stewardship

Keep your coverage aligned as your business changes.

After coverage is in force, we stay involved through audits, claims, and certificate requests. We track how your experience modifier is moving, support return-to-work so claims close cleanly, and keep your coverage aligned as your payroll and project mix change.

Coverage Depth

Workers' Compensation Built for Larger Construction Payrolls

Workers’ compensation looks routine until a misclassified code, an unverified subcontractor, or a monopolistic-state requirement turns into a premium surprise or a coverage shortfall. UCI helps you put together a program that holds up to how your crews actually work today.

Classify Your Payroll Correctly the First Time

Class codes drive your premium. We review how your payroll is split across codes so high-rated work is not applied where it does not belong, and so an audit does not reclassify your crews and reprice your program after the fact.

Manage Where Your Experience Modifier Is Headed

Your mod follows your claims history and affects both your pricing and your eligibility on bid-sensitive work. We help you read what is driving it and support the return-to-work and claims handling that keep it in check.

Cover Crews Across Every State You Work In

Workers’ compensation rules change at the state line, and a handful of monopolistic states require coverage through a state fund rather than your policy. We coordinate your program so crews are covered wherever a contract takes them.

Verify Subcontractor Coverage Before It Becomes Yours

Uninsured subcontractors can fall back onto your policy at audit. We help you set certificate requirements and confirm coverage so subcontractor payroll does not quietly inflate your premium or your liability.

Meet the Coverage Your Contracts Require

Owners and general contractors often specify workers’ compensation limits, employer’s liability limits, and waivers of subrogation. We make sure your program satisfies what your contracts demand, so coverage does not hold up an award.

The Team

Meet Your Worker’s Compensation Advisors

When you call UCI, you reach a senior advisor by name, not a routing queue. These are the people who will handle your engagement.

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

Why Contractors Choose UCI for Workers' Compensation

“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)

Start the Conversation

Request a Workers' Compensation Risk Review

A risk review is a working call with a senior advisor to walk through your payroll, your class codes, your loss history, and the contract requirements your coverage has to meet. You finish the call with a clear read on where your current program stands and what, if anything, is worth changing.

Who We Serve

Workers' Compensation Built for Specific Construction Payrolls

UCI works with commercial contractors whose payroll, class-code mix, and multi-state footprint have moved past what a standard workers’ compensation policy was built for.

Commercial General Contractors

Multiple crews and class codes on active projects, where classification accuracy and a managed experience modifier drive the program.

Design-Build and EPC Firms

Combined design and field payroll across disciplines, with coverage that has to satisfy varied contract requirements.

Large Builders and Developers

High-volume payroll across concurrent projects and entities that need coordinated coverage and clean audits.

Mechanical and Electrical Contractors

Skilled trades in rated codes where safety record and classification shape both pricing and eligibility.

Commercial Roofing Contractors

Higher-rated roofing payroll where experience modification and return-to-work have a direct effect on cost and bid access.

Restoration and Environmental

Crews working in variable conditions and codes, often across state lines, where coverage has to follow the work.

Heavy Civil and Infrastructure

Large field payrolls on public and prevailing-wage work with defined wage and coverage obligations.

Specialty Trade Contractors

Focused trades and subcontractor-heavy rosters where certificate verification keeps payroll from landing on the wrong policy.

FAQ

Common Questions About Workers' Compensation

How is UCI different from my current workers' compensation provider?

Most providers quote a policy and renew it. UCI works as your advisor: we review how your payroll is classified, where your experience modifier is headed, and what your contracts require, then arrange and manage a program that reflects those facts. You get a senior advisor who stays involved through audits and claims, not just at renewal.

Where does UCI add value if we already have a safety director or in-house HR?

Your safety and HR teams manage the workforce. We manage the coverage and the carrier relationship: classification accuracy, experience-modifier drivers, multi-state coordination, certificate requirements, and how your loss history is presented to the market. The two work together, and a strong safety program makes our case to underwriters stronger.

How do you help manage our experience modifier?

Your mod follows your claims history, so it is shaped over time, not in a single renewal. We help you understand what is driving it, support return-to-work and claims handling that close files cleanly, and present your record to carriers in a way that reflects the real risk.

How do you handle coverage across multiple states, including monopolistic states?

Workers’ compensation rules change at the state line, and a few monopolistic states require coverage through a state fund rather than your policy. We coordinate your program so crews are covered wherever a contract takes them, and so nothing falls between state requirements.

Do we have to change carriers to work with UCI?

No. A risk review starts with where your coverage stands today. If your current program is sound, we will tell you. If there are classification, modifier, or contract issues worth addressing, we will show you what changing would involve before you decide anything.

When should we request a risk review instead of just asking for a quote?

A quote answers one question: price. A risk review looks at whether your program is classified correctly, satisfies your contracts, and covers your crews in every state you work. If you are bidding new work, adding payroll, or moving into new states, a review is the more useful starting point.

KEEP YOUR COVERAGE MATCHED TO YOUR PAYROLL

Workers' Compensation That Keeps Up With How You Hire and Where You Work

As your payroll grows and your crews move across state lines, your workers’ compensation program should keep pace. A risk review with a UCI senior advisor is the first step toward coverage that fits how your business actually operates.