Construction

CMR represents general, artisan and specialty trade contractor programs that have the ability to provide General Liability, Auto Liability & Physical Damage, Workers Compensation, Excess Liability, Pollution Liability, Professional/Design Liability, Contractors Equipment, Installation Floaters and Property coverages. All programs have specialty coverages designed for contractors including blanket additional insureds, waivers of subrogation, contractual liability and legal liability in addition to other industry specific nuances.

CMR’s project specific and wrap-up services include feasibility studies, contact facilitation, insurance marketing and placement, claims and safety, general liability only wrap-ups and complete wrap-up administration and management. CMR represents several limited access programs depending on the type of project (residential vs commercial), line of coverages (general liability only or including workers compensation) and the size of project.

Group captive program with separated cells. A captive program minimizes or eliminates an insurance companies acquisition costs, marketing expenses, high commissions, administration and overhead. As a member of a captive, safety pays. You are rewarded for effective risk management by receiving dividends that are directly related to loss performance, while investment income accumulates to your benefit. CMR’s program allows for proven pricing practices that offer an unbiased formula to calculate premiums based on a member’s actual loss history rather than aggregated averages and trends in the insurance market. Risk management services that better control risk and help prevent losses with a formalized risk assessment methodology. In-house safety professionals to help coordinate all risk control services.