CONTRACTOR'S INSURANCE SPECIALISTS L.L.C.

What CONTRACTOR'S INSURANCE SPECIALISTS L.L.C. does

Contractor's Insurance Specialists L.L.C. is a family-owned insurance brokerage headquartered in Lake Havasu City, Arizona, specializing exclusively in insurance products for construction contractors. The firm holds Arizona producer licenses (#945273, #925331) and Nevada license (#636506), and accepts quote requests from all 50 US states and 13 Canadian provinces via online intake forms. The company is led by Commercial Account and Employee Benefits Specialist Lana Kackstetter, whose 40+ years of contractor-insurance expertise is positioned as the primary value driver.

The firm's product suite spans the full construction-insurance vertical, including General Liability, Worker's Compensation, Commercial Auto, Umbrella Liability, Inland Marine Equipment Coverage, Builders Risk, Bonds, Commercial Truck Coverage, and Equipment Insurance, supplemented by Life and Health Insurance offerings and Certificate of Insurance issuance. Products are sold as standalone quote-based placements rather than as an integrated platform, with no proprietary technology, no AI/ML underwriting, and no digital-insurtech infrastructure disclosed. GTM motion is phone-led (toll-free 866-941-3631) supplemented by online forms for GL, worker's comp, and certificate requests.

Revenue is generated through standard insurance brokerage commissions on placed policies, with no subscription or fee-for-service component disclosed. The firm emphasizes low broker fees, personal service, and dedicated underwriting units for residential and commercial builders as differentiators. Scale indicators (1–10 employees, single PO Box address, no disclosed revenue, no external capital) place the firm in the small independent brokerage segment with a long-tail SMB contractor book.

Name

CONTRACTOR'S INSURANCE SPECIALISTS L.L.C.

Legal name

CONTRACTORS INSURANCE SPECIALISTS

Website

https://thecontractorsinsurancespecialists.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

Contractor's Insurance Specialists is a family-owned insurance brokerage in Lake Havasu City, Arizona, placing construction-insurance policies (general liability, worker's comp, commercial auto, bonds, builders risk) for SMB contractors across the US and Canada, led by a specialist with 40+ years of vertical expertise.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industries

Contractors BOP / Artisan Package (FSAJAFAD), Construction Specialty (Wrap-Ups/Builders Risk/Contractors) (FSAJAGAH)

Keywords

• Contractor insurance brokerage
• General liability insurance
• Workers compensation coverage
• Commercial auto insurance
• Surety bond services

Headquarters

HQ city

Lake Havasu City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Insurance Brokerage Commissions: Acts as an insurance broker/specialist earning commissions from insurance carriers for placing contractor insurance policies including general liability, worker's compensation, commercial auto, bonds, and equipment coverage.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Contractors Insurance Specialists L.L.C. is a family-owned insurance brokerage that places specialized insurance coverage for construction contractors of all types and sizes. Core offerings include commercial general liability, worker's compensation, commercial auto/truck coverage, equipment/inland marine, surety bonds, builders risk, and umbrella liability, plus life and health insurance for contractors and their employees. The firm acts as an intermediary between contractor clients and insurance carriers and also issues Certificates of Liability Insurance as a service.

Product overview

Contractors Insurance Specialists offers a comprehensive suite of insurance products for contractors, delivered as a portfolio of standalone core offerings rather than an integrated platform. The product lineup centers on General Liability Insurance as the primary product, complemented by specialized coverages including Commercial Truck Coverage, Equipment Insurance, Bonds, Worker's Compensation, Life Insurance, and Health Insurance. The About Us page further reveals additional construction-specific coverages including Commercial Auto, Umbrella Liability, Inland Marine Equipment, and Builders Risk insurance. The company also provides Certificate of Insurance issuance services. All products are offered as individual offerings that can be requested through separate quote forms on the website.

Differentiator

Problem solved

Functional benefit

Products and services

• General Liability Insurance Insurance protection for contractors against third-party liability for property damage, bodily injury, personal and advertising injury, and medical payments; the primary product quoted via the company's online form.
• Worker's Compensation Insurance Coverage for work-related injuries and illnesses of contractor employees, requested through a dedicated online form on the company website.
• Commercial Auto Insurance Commercial automobile liability coverage for contractors' business vehicles, part of the construction insurance portfolio.
• Commercial Truck Coverage Insurance coverage for commercial trucks and trucking operations, available as additional information when requesting a general liability quote.
• Equipment Insurance Coverage for contractor tools and equipment, including equipment that may be transported or stored at various job sites.
• Inland Marine Equipment Coverage Coverage for contractors' tools and equipment that may be transported or stored at various locations during construction projects.
• Surety Bonds Surety bonds for contractors, including performance bonds and payment bonds required for construction projects.
• Builders Risk Insurance Insurance coverage for buildings under construction, protecting against property damage during the building process.
• Umbrella Liability Insurance Excess liability coverage providing additional protection beyond standard policy limits for contractor clients.
• Life Insurance Life insurance products for contractors and their employees, placed through the brokerage.
• Health Insurance Health insurance products for contractors and their employees, placed through the brokerage.
• Certificate of Insurance Issuance Service to issue and manage Certificates of Liability Insurance as short-form documentation of contractor insurance policies, requested through the company's dedicated online form.

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• NEXT Insurance: NEXT Insurance is a digital-first provider that sells contractor liability and workers' comp policies directly online. It directly competes for the same small-to-mid contractor segment CIS serves, though it bypasses broker intermediation, making it both a competitor and a threat to traditional broker commission economics.
• biBerk Business Insurance: biBerk is a digitally distributed commercial insurance provider offering general liability, workers' comp, commercial auto, and builders risk directly to small businesses including contractors. It competes with CIS by offering low-friction online quoting alongside bundled contractor coverages.

Direct peers

• Frankenmuth Insurance: Frankenmuth is a regional carrier with a strong specialty contractor practice including builders, trades, and artisan risks, distributed through independent agents. As a specialty contractor carrier, it overlaps with CIS's product focus and compete for placement in the same contractor accounts.
• Founders Insurance Group (FSC): Founders Insurance is a regional carrier that specializes in contractor and artisan insurance, including general liability and bonds distributed through independent agents. It overlaps directly with CIS's contractor focus and is a likely carrier-or-competitor on the same contractor accounts.
• Hiscox Insurance: Hiscox is a specialty insurer and broker that has built a strong small-business / contractor practice, offering general liability, professional liability, and commercial coverages to builders and trades. It competes for the same contractor insureds through both direct channels and partner brokers, overlapping directly with CIS's product suite.

Broad incumbents

• Cincinnati Financial / Cincinnati Insurance Companies: Cincinnati Financial operates a network of independent agencies with a long-standing focus on contractor and construction risks, including builders risk, commercial auto, and workers' comp. It is a much larger incumbent that competes for the same contractor insurance spend through independent agent channels.
• The Hartford (Small Business / Contractor Practice): The Hartford is a major national insurer with a dedicated small-business and contractor practice offering general liability, workers' comp, commercial auto, and bonds. It competes for the same contractor accounts through direct and agent channels as a much larger incumbent.
• Berkshire Hathaway GUARD Insurance: GUARD is a Berkshire Hathaway carrier focused exclusively on small commercial and workers' comp for contractors, artisans, and trades. While primarily a carrier rather than a broker, it competes for placement on the same contractor accounts CIS services, and is a likely carrier on CIS's panel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 CONTRACTOR'S INSURANCE SPECIALISTS L.L.C.