For contractors with 5+ years of proven work, we provide independent risk analysis across your entire insurance and bonding portfolio — identifying gaps, eliminating waste, and building capacity for larger projects.
After years of reviewing contractor programs across Georgia, we consistently find the same issues — even among well-run companies.
Inland marine, builders risk, and umbrella policies are frequently missing or sized for projects you completed three years ago — not the ones you're bidding today.
Agents who don't shop your account annually cost you thousands. We routinely find 15–30% in savings just by marketing the program to competing carriers.
Your financials often support more capacity than your current surety is giving you. The right relationship and financial presentation unlock larger project eligibility.
Incorrect class codes on your GL or WC policies lead to audit surprises. A proper classification review before renewal prevents costly year-end adjustments.
If your subs don't carry adequate limits — or you're not collecting COIs properly — their liability becomes yours. This is one of the most common exposures we find.
Insurance shouldn't be a transaction that happens once a year. The best programs are built with a 3-year plan: growing coverage, bonding capacity, and carrier relationships intentionally.
In Georgia, contractors need a $25,000 license bond to operate. But that's just the baseline. The real opportunity is in contract surety — bid bonds, performance bonds, and payment bonds that unlock public projects and larger commercial work. We help you build a bonding program strategically so your capacity grows with your ambitions.
Required by GA State Licensing Board — $25K for residential and general contractors.
Guarantees you'll honor your bid price. Required for most public project proposals.
Guarantees you'll complete the project per contract terms. Typically 100% of contract value.
Guarantees you'll pay subs and suppliers. Required on public works under the Miller Act.
Covers defects during the post-completion warranty period.
We believe informed contractors make better decisions. Here's what every experienced contractor in Georgia should know.
Beyond GL and WC — the full stack of coverage that protects your business from the risks you actually face on jobsites today.
Your surety evaluates three things: character, capacity, and capital. Here's how to strengthen each one to qualify for bigger jobs.
Class codes, payroll estimates, and sub costs — the three areas where year-end audits generate surprise bills, and how to prevent them.
If your sub causes damage and doesn't carry proper insurance, the claim comes to you. A proper COI review process is your first line of defense.
License bonds, net worth requirements, qualifying agent rules, and insurance minimums — what the State Licensing Board actually requires.
A transactional agent sells you a policy. A risk advisor builds a program. The difference can mean hundreds of thousands in claim outcomes.
Answers to the questions experienced contractors ask most.
We are a Georgia-based independent risk advisory focused exclusively on contractors. We don't work for any single insurance company — we work for you. Our advisors are licensed professionals who specialize in construction risk, surety bonding, and building insurance programs that grow with your business.
We review your current insurance program — GL, WC, commercial auto, inland marine, builders risk, umbrella, and bonding — to identify coverage gaps, premium savings opportunities, and bonding capacity improvements. You'll receive a written summary of our findings and recommendations with no obligation.
We specialize in established contractors who have the track record, financials, and ambition to benefit from a strategic risk program. Our carrier and surety relationships are built to serve contractors at this level, which means better pricing and higher bonding capacity for you.
Most agents sell policies. We build programs. That means we look at your entire risk picture — insurance, bonding, subcontractor risk, classification accuracy — and create a multi-year strategy. We also re-market your account to competing carriers annually, which most captive or complacent agents don't do.
We work with contractors across the entire state of Georgia and into the surrounding Southeast. Whether you're based in metro Atlanta, the coast, or south Georgia, we have carrier relationships and market access to serve you.
No. The assessment and consultation are completely free with no obligation. If we identify meaningful improvements, we'll present our recommendations and you decide if you'd like to proceed.
Tell us about your business and we'll have a licensed advisor review your information and reach out within one business day. No spam, no sales pressure — just a straight conversation about your risk program.
A Georgia-licensed risk advisor will review your information and contact you within one business day.
When we call, we'll reference your GA Risk Advisors inquiry so you know it's us.