Insurance and Surety Solutions for the Construction Industry
From general contractors to specialty trades, Winter-Dent helps construction businesses protect people, projects, and profits with customized insurance and surety solutions. Whether you’re managing a single job site or coordinating multiple crews across the state, we’ll design a plan that supports your long-term success — not just your next project.
Why Construction Needs Specialized Coverage & Surety Solutions
Construction projects face constant change: shifting regulations, tight deadlines, subcontractor coordination, and unpredictable job site hazards. Standard business insurance simply isn’t built to handle those complexities.
With the right coverage and proactive risk management, you can keep projects on schedule and your reputation intact.
At Winter-Dent, we know that no two construction companies operate the same way. The size of your crews, the types of projects you take on, your subcontractor relationships, and even your contract language all change your risk profile. That’s why we don’t start with a quote – we start with understanding your business.
Through our Prevent365 process, we flip the traditional insurance pyramid. Instead of reacting to losses after they happen, we build your coverage plan from the ground up, identifying exposures before they become claims, strengthening safety and compliance practices, and designing insurance that truly fits your operation.
Stop Overpaying. Start Building Equity with a Commercial Captive
What if your workers’ comp, auto, and general liability premiums could work for you instead of just disappearing into an insurance company’s pocket? With a commercial captive, construction companies with strong safety records can slash costs, stabilize pricing, and actually earn returns on their coverage.
Why Construction Firms Choose Captives
You Get Rewarded for Safety
Strong loss control means lower costs and profit sharing, not just avoiding rate hikes.
Escape Premium Volatility
No more wild swings based on market conditions. Your rates reflect your performance, not industry trends.
Real Ownership
You're not a policyholder, you're an owner with full transparency into claims, costs, and dividends.
Better Risk Management
Access specialized safety resources and loss control programs built specifically for construction operations.
Is This Right for You?
Typically best for businesses spending $100,000+ annually on workers’ comp premiums with a combined workers' comp, auto, and general liability minimum of $250,000 and claims consistently below 50% of premiums paid.
Every construction business faces unique risks, from on-site accidents to contract disputes. Winter-Dent builds protection around the realities of your job, combining essential coverages that safeguard your people, equipment, and reputation.
Protects against third-party claims of bodily injury, property damage, or completed work issues.
Covers medical expenses and lost wages for employees injured on the job while helping you stay compliant with state regulations.
Covers buildings and materials during construction against fire, theft, vandalism, and weather-related damage so you can keep projects on track.
Protects the vehicles and drivers that keep your projects moving, from service vans to heavy trucks.
Covers tools, machinery, and rented equipment against loss, theft, or damage, whether they’re stored, transported, or used on-site.
Builds trust and ensures project completion by guaranteeing your contractual obligations to owners, lenders, and partners.
Adds an extra layer of protection above your existing policies for catastrophic claims or high-limit requirements.
Provides coverage for cleanup costs and third-party claims related to environmental hazards or accidental spills.
Protects your business against digital threats, from ransomware to data breaches involving contracts or client records.
Building Confidence Through Surety Solutions
Surety bonds do more than meet project requirements. They build trust and credibility that help you win more bids and protect your reputation. From bid to completion, Winter-Dent’s surety experts help contractors secure the right bonds, maintain compliance, and keep every project on track.
Industry Expertise
Decades of experience across multiple industries, giving us deep insight into sector-specific risks and solutions.
Core Values
We prioritize long-term relationships over short-term sales, ensuring your success is our primary goal.
Risk Evaluation Process
Our proprietary Prevent365 methodology ensures comprehensive risk assessment before coverage placement.
Consultative Approach
We're your risk management partners, not just insurance brokers, providing ongoing support and strategic guidance.
Protect What You’re Building
High-risk construction projects demand more than standard coverage. Discover how specialized insurance solutions can safeguard your people, projects, and profits.
Start by protecting your people, materials, and job site with the right mix of general liability, builder’s risk, and workers’ compensation coverage. Winter-Dent helps Missouri contractors review exposures, meet project requirements, and manage risk before work begins.
Costs vary by project size, trade type, and payroll. Small contractors may spend a few thousand per year, while larger firms pay more. Winter-Dent provides custom quotes to fit your business and budget.
Use tools like GPS tracking, telematics, and driver monitoring to reduce accidents and control costs. Winter-Dent helps construction fleets implement safety programs that protect drivers and may lower insurance premiums.
Premiums depend on your trade, revenue, and risk level – often $500–$5,000 per $1M in coverage for smaller contractors. Winter-Dent partners with top construction insurers to get the right limits and pricing for your projects.
Most contractors need general liability, workers’ compensation, builder’s risk, commercial auto, surety bonds. Winter-Dent tailors coverage for general contractors and specialty trades to protect every phase of construction.
Work with an independent agency that understands construction risk and can access multiple carriers. Winter-Dent has served construction businesses for decades with complete coverage, risk control, and surety bond expertise.
Email Us
info@winter-dent.com
Call Us
(573) 634-2122