Your workers’ comp program deserves more than a renewal quote.
We build risk management programs for contractors and trades, not just policies. If your current broker can’t explain your X-Mod, it’s time to talk to us.
Everything your business runs on, under one roof.
Six core lines, each written specifically for contractors and trades, not repurposed from a general commercial template.
General Liability
Protection against third-party bodily injury and property damage claims on and off the jobsite.
Learn more →Workers' Compensation
Coverage for on-the-job injuries, plus the X-Mod strategy that keeps your premium under control.
Learn more →Commercial Auto
Coverage for company vehicles, work trucks, and the crews and equipment they carry.
Learn more →Professional Liability
Protection against claims of errors, omissions, or negligence in the work you perform.
Learn more →Inland Marine
Coverage for tools, equipment, and materials in transit or stored off-site.
Learn more →A risk advisor first. An insurance agency second.
We speak contractor, not just insurance.
Class codes, certified payroll, GC prequalification. We already know your world before we quote it.
We manage your X-Mod, not just your renewal.
Annual worksheet reviews and claims advocacy that protect your mod long after the policy is bound.
Direct access to your broker, not a call center.
One point of contact who knows your account, your claims history, and your renewal timeline.
Understanding Your Experience Modification Rating (X-Mod)
The complete guide to how your mod is calculated, what actually moves it, and how contractors use it to win more work. No quote request required.
What contractors say about working with us.
Placeholder for a real client testimonial. Two to three sentences on the specific problem Unique Risk solved and the result it led to.
Ready to see where your program stands?
Request a quote, or start with a free review of your current Experience Modification Rating.