Construction Insurance Agency

What Construction Insurance Agency does

Construction Insurance Agency, Inc. is a privately-held independent insurance brokerage headquartered at 7896 Donegan Drive in Manassas, Virginia, providing insurance placement and risk management services to construction-industry accounts. The firm targets small-to-mid-size construction contractors whose risk profiles are complex enough to require dedicated insurance expertise but whose size does not justify an in-house risk manager. Core coverage lines span general liability, auto liability, workers compensation, umbrella/excess, inland marine, and surety bonds, supplemented by consulting services that include experience modifier optimization, claims negotiation, hold harmless agreement reviews, and workers compensation classification validation with the National Council on Compensation Insurance (NCCI).

The agency operates a traditional commission-based revenue model with select accounts handled on a negotiated fee-for-service basis. Beyond standard commercial lines, the firm has assembled a portfolio of niche programs: a SEAA-endorsed steel erectors package (structural and miscellaneous steel, industrial and plant maintenance, pre-cast concrete erection), crane and rental riggers coverage with no cap on equipment size or value, a plumbing/HVAC contractor program, a special three-year bond program for Washington Gas Company contractors, SBA-backed surety bonds for small emerging contractors, and personal lines (homeowners, auto, life, health, group health, disability) for contractor owners and employees. Distribution is direct and sales-led: toll-free and local phone outreach, website forms, and industry-association referrals, primarily through the SEAA partnership.

Construction Insurance Agency does not disclose any proprietary technology. Differentiation rests on construction-specific domain expertise (handling exposures such as PCBs, lead paint, asbestos, and underground tanks), commission transparency, organized policy delivery in tabbed three-ring binders, and rapid certificate of insurance processing via fax. The firm is independently owned with no disclosed parent company, institutional investor, or external funding. No public financials, customer counts, headcount trends, or founding date are available in source materials, which materially limits visibility into scale and growth dynamics.

Name

Construction Insurance Agency

Legal name

Construction Insurance Agency, Inc.

Website

https://const-ins.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Construction Insurance Agency is a privately-held insurance brokerage in Manassas, Virginia, providing specialized property, casualty, surety, and risk management services to small and mid-size construction contractors across the Mid-Atlantic region.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Construction Specialty (Wrap-Ups/Builders Risk/Contractors) (FSAJAGAH)

akta.pro secondary industry

Inland Marine Insurance (Transit, Equipment & Installation) (FSAJAHAB)

Keywords

• Commercial insurance brokerage
• Construction risk management
• Surety bond services
• Workers compensation insurance
• Specialty contractor programs

Headquarters

HQ city

Mansås

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Insurance Commissions: Traditional insurance agency model earning commissions from insurance carriers for placing coverage. Company states willingness to share commission information transparently with clients. Some accounts handled on 'net-of-commission' basis with negotiated servicing fees.
2. Consulting Services: Risk management consulting including experience modifier analysis, claims negotiation, hold harmless agreement reviews, and workers compensation classification negotiations.
3. Surety Bonds: Bond programs for contractors including SBA bond guarantee program placements and specialty bond carriers.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Construction Insurance Agency places commercial insurance coverage (general liability, workers compensation, auto liability, umbrella/excess, inland marine, surety bonds) and delivers risk management consulting (experience modifiers, claims negotiation, hold harmless agreement review, NCCI classification work, loss control) for construction contractors and related small emerging businesses in the Mid-Atlantic United States. The firm additionally operates specialty insurance programs endorsed by or aligned with industry partners including SEAA, SBA, and Washington Gas Company.

Product overview

Construction Insurance Agency provides insurance and risk management services to the construction industry through a three-part offering: Insurance Services (covering general liability, bonds, audits, and organized policy delivery), Consulting Services (experience modifiers, claims negotiation, classifications, and loss control), and Special Insurance Programs (specialized coverage for crane/riggers, steel erectors via SEAA partnership, plumbing/HVAC contractors, Washington Gas contractors, and small contractor surety bonds via SBA). The agency targets construction accounts complex enough to require risk management expertise but not large enough to employ a dedicated risk manager. Certificate of Insurance Request service enables instant certificate delivery via fax or digital channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Insurance Services Core commercial insurance placement for construction contractors covering general liability, auto liability, workers compensation, umbrella/excess, inland marine, surety bonds, and pollution exposures (PCBs, lead paint, asbestos, underground tanks). Includes organized policy delivery in tabbed three-ring binders, audit representation, commission transparency, and fax-based instant certificate of insurance dispatch.
• Consulting Services Risk management consulting for construction accounts including experience modifier analysis and negotiation with NCCI, claims negotiation and settlement advocacy, hold harmless agreement review, workers compensation and general liability classification negotiations, loss control, and safety program guidance.
• Crane & Rental Riggers Insurance Program Specialized all-lines coverage for crane rental concerns with operators and bare crane rental, including workers compensation, on-hook liability, storage, transportation, wet work, and riggers legal liability. No limit on crane size or insured values.
• SEAA Steel Erectors Insurance Program SEAA-endorsed all-lines coverage for steel erectors including structural and miscellaneous steel, industrial and plant maintenance, and pre-cast concrete erection. No height restriction, with automatic property damage coverage during erection and installation floaters, workers compensation, general liability, and contractors equipment included.
• Plumbing and HVAC Contractors Insurance Program Competitive all-lines insurance program for qualified plumbing and HVAC contractors with extensions of coverage included at no additional charge and payment plans available to support cash flow. Local and state bond capability included.
• Washington Gas Company Contractors Bond and Insurance Program Special bond program required by Washington Gas Company with minimal underwriting requirements and three-year bond availability, paired with all-lines insurance for Washington Gas contractors.
• Surety Bond Program for Small Emerging Contractors Surety bond placement for small emerging contractors through the SBA bond guarantee program and specialty bond carriers, with transition pathway to preferred rate bond carriers once bondability is established.
• Personal Lines, Life and Health Coverage Personal insurance coverage including homeowners, personal automobile, individual life and health, group health insurance, and short-term and long-term disability plans offered to contractors and their employees.
• Certificate of Insurance Request Service Online request workflow for certificates of insurance covering General Liability, Auto Liability, Workers Compensation, Umbrella/Excess, and Inland Marine, with fax-based delivery for instant receipt by clients and downstream parties.

Quantifiable outcome

• Significant premium reductions possible through experience modifier work in some cases
• +1 more outcomes

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• SEAA (Steel Erectors Association of America)coreStrategic or Co-development PartnerSEAA-endorsed insurance program providing all lines of coverage for steel erectors (structural and miscellaneous), industrial and plant maintenance, and pre-cast concrete erection. The program includes no height restriction and automatically covers damage to property being erected. Covers installation floaters, workers compensation, general liability, and contractors equipment.
• SBA (Small Business Administration)coreChannel Partner/ Reseller/ DistributorSBA bond guarantee program providing surety bonds for small emerging contractors who may not qualify for standard bonding. Once contractors establish bondability, they can transition to preferred rate bond carriers.
• Washington Gas CompanyminorStrategic or Co-development PartnerSpecial bond program required by Washington Gas Company for contractors working with the utility. Features minimal underwriting requirements and three-year bond availability. Agency also provides all-lines insurance to Washington Gas contractors.
• NCCI (National Council on Compensation Insurance)minorStrategic or Co-development PartnerAgency negotiates with NCCI to validate workers compensation and general liability policy reclassifications, potentially saving clients money through accurate classification.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Burns & Wilcox: Specialty insurance wholesaler and broker with significant construction, surety, and inland marine practices. Comparable niche product portfolio and placement model for hard-to-place construction risks.
• RPS (Risk Placement Services): Specialty wholesale brokerage and agency with deep construction expertise including inland marine, surety, and wrap-up programs. Direct competitor for specialty construction placements and contractor surety bonds.
• The Buckner Company: Independent insurance agency focused on construction and surety, with similar program-style coverage offerings for contractors. Closely comparable specialty niche and mid-market contractor client profile.
• Cottingham & Butler: Mid-sized brokerage with a dedicated construction practice offering risk management, surety, and specialty coverages for contractors. Comparable in mix of insurance placement and consulting services.
• Assurance: Insurance brokerage with a strong construction and contractor practice covering surety, workers' comp, and risk management. Direct competitor for mid-market construction insurance buyers.
• The Graham Company: Independent insurance agency with a long-standing construction industry practice offering risk management and bonding services to contractors of similar size. Comparable in vertical specialization, mid-market focus, and use of association programs.
• Peabody Insurance Agency: Independent construction-focused insurance agency providing commercial insurance and surety bonds to contractors. Directly comparable on vertical specialization, contractor customer base, and bonding services.
• Hardenbergh Insurance Group: Construction-specialty insurance agency serving contractors with similar coverages (general liability, workers' comp, surety, inland marine). Most directly comparable peer given the same vertical specialization and mid-market contractor focus.

Broad incumbents

• Marsh & McLennan: Global incumbent broker with a substantial construction industry practice including surety, inland marine, and wrap-up programs. Competes for larger mid-market and enterprise construction accounts; represents the consolidation path Construction Insurance Agency's clients could take as they grow.
• USI Insurance Services: Large national brokerage with a dedicated construction practice offering risk management, surety, and specialty coverages to contractors across all sizes. Competes for the upper end of Construction Insurance Agency's addressable market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/construction-insurance-agency

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Construction Insurance Agency