Insurance that works as hard as your crew.
Most agencies quote your policies and disappear until renewal. Rampart Risk Advisors works your account year-round — managing the numbers that decide what you pay and whether you qualify to bid.
Request a mod reviewSix ways we protect your margin — not just your equipment.
Coverage is the starting point. The real money is in how your risk is rated, classified, and managed between renewals.
Your experience mod is a controllable number. We treat it that way.
Your workers' comp mod directly multiplies your premium and can disqualify you from bidding work. We analyze your rating worksheet line by line, verify every claim and payroll figure feeding the calculation, project where your mod is headed before renewal, and show you — in dollars — what each open claim is costing you per year.
- Worksheet verification and error correction
- Mod projections before your rating date
- Claim-by-claim cost analysis and reserve reviews
- Strategies to reach and hold an EMR below 1.00
Certificates without the chase
When a GC needs your cert to release you to the jobsite, hours matter. We issue certificates fast, get additional insured and waiver wording right the first time, and keep your holders list current so renewals don't stall your projects.
Know what you're signing
Subcontract agreements bury insurance requirements that can shift someone else's risk onto your policies. Before you sign, we review the insurance provisions — additional insured status, waivers of subrogation, primary and non-contributory wording, and required limits — and flag anything your program doesn't match.
Bid, performance & payment bonds
Bonding capacity is what lets you chase bigger work. We help contractors establish and grow surety programs, prepare the financial presentation underwriters want to see, and keep bid bonds moving on your timeline.
In your corner when it counts
A claim handled poorly follows you for three years. We stay engaged from first report to close — pushing for accurate reserves, supporting return-to-work so injuries stay medical-only, and connecting you with safety and compliance resources that prevent the next one.
Pay for the work you actually do
Misclassified payroll is one of the most common — and expensive — errors in contractor insurance. We review your class codes, prepare you for premium audits, and dispute audit results that don't reflect your operations, so year-end audits stop producing surprise bills.
The full contractor program, under one roof.
From a two-truck grading outfit to a GC running multiple sites, we build programs matched to your contracts, your equipment, and your growth plans.
Subcontractor compliance, handled.
An uninsured sub on your site becomes your claim and your mod. We help GCs build subcontractor insurance requirements, verify certificates against them, and monitor compliance across every trade on the job — so a lapsed policy never becomes your problem.
- Standardized insurance requirements for your subcontracts
- Certificate collection and verification for every sub
- Expiration monitoring and renewal follow-up
- Audit-ready compliance records by project
Start with a free experience mod review.
Send us your current mod worksheet. We'll verify the numbers behind it, show you what your claims are actually costing per year, and tell you exactly where your premium is controllable — whether or not you move your account.
Request my free review