Construction Specialty Group

Controlling an Experience Modification Rate (EMR) is critical to your business. Not only is an EMR used by insurance companies to assess premiums, but it can also adversely affect your ability to qualify to bid on projects.

CSG offers safety training that helps to reduce hazards and prevent injuries at the job site, which contribute to a higher EMR. Additionally, in the event an injury occurs, CSG can offer you valuable insight on the claim, including how it may impact your EMR over the next three years, and how much the claim may cost you to resolve.

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With each new construction project, you encounter numerous contracts outlining your obligations. Particularly when a contract involves many parties, each may try to transfer the risk and responsibility to another.

CSG can help protect you – and your bottom line – by advising whether you have the requisite insurance coverage in place, and the cost of purchasing any additional coverage that may be necessary. CSG can also help you navigate the complexities of indemnification, so you know when you may be held responsible for compensating another party for damage or loss.

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Although your project managers manage site safety and project deliverables, their priorities may not include ensuring that your subcontractors are complying with your contractual insurance, indemnification and certificate of insurance requirements.

CSG facilitates compliance by working with other agencies on your behalf to verify what coverage and endorsements your subcontractors have in place, then confirming their coverage aligns with their contractual commitments to you.  

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CSG knows that your team is your greatest asset. Keeping them safe on the job is your priority and a good business decision.

Our team of loss control specialists work closely with you to develop a safety program that promotes a culture of safety by focusing on loss prevention.  Our wide array of services includes:

• Workplace safety evaluations
• Recommending safety and loss prevention controls
• Review of workplace policies
• Mock OSHA and workplace inspections
• Comprehensive safety training

CSG also knows that losses can and will happen, even on the safest jobsite. For this reason, we also offer valuable education on incident response, so you can safely and effectively manage any loss that may occur.

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CSG understands the wide array of Department of Transportation rules and regulations affecting the construction industry, and the practical implications they have on your business.

We can help promote your compliance with DOT rules and regulations by conducting mock audits, reviewing driver qualification files, providing accident register kits, devising a vehicle maintenance program, and more.

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CSG’s full service bond department is aligned with a number of highly rated surety companies that specialize in contractors’ specific bonding needs.

 Regardless of your size or the complexity of your case, CSG offers a full service bond program to support all aspects of your operations, including, but not limited to:

• Contract Bonds
• License & Permit Bonds
• Court Bonds
• Fidelity Bonds
• Employee Dishonesty
• ERISA
• Financial Institution
• Union

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