Construction across our operating footprint

The job is ready. The certificate is not.

Pennsylvania, Illinois, New York, New Jersey, and California are focused construction markets, not the limits of where we can help. Across the states where FastechHR operates, we review new ventures and small businesses in the $15,000–$50,000 annual workers' compensation premium range, along with middle-market and large construction accounts from $50,000 to over $1,000,000.

Check my construction situationNot sure where to start?
Watch: The Certificate

Construction does not stop at small contractors.

See why the actual trades, job locations, heights, depths, payroll, subcontracting, safety controls, losses, and deadline matter more than a broad contractor label.

Check my construction situationClick the video action during the final scene—or use this button at any time.
Why the account gets stuck

Construction accounts of every size still depend on the operational details.

01

A contract date is getting close

Lead with the exact effective date, certificate requirement, job location, current coverage status, and what decision is needed.

02

The trade description is too broad

General contractor is not enough. Break out what employees actually do, the project mix, heights, depths, equipment, and supervision.

03

Subs or an audit changed the cost

Separate employee payroll, subcontracted work, certificate controls, and the classifications or charges that are being questioned.

Priority review

Start with the operating story.

About $15,000 in annual workers' compensation premium is the general starting point, not an approval rule. The $15,000–$50,000 small-construction specialty is not a ceiling: larger construction opportunities, including accounts above $1 million, can still receive a human review.

  • The exact trades performed by employees and the percentage of payroll for each
  • New construction, remodeling, service, repair, residential, commercial, or public work mix
  • Maximum heights, depths, street or road exposure, equipment, and structural work
  • Subcontractor costs, written agreements, certificates, and who supervises each site
  • Payroll and job locations by state, loss history, experience mod, corrective actions, and deadline
Read the distinction

Small-construction specialist does not mean small-only

We regularly look at new ventures and small contractors in the $15,000–$50,000 premium range, but general construction extends across the states where FastechHR operates. Accounts from $50,000 to $1 million and beyond can also be reviewed. State, class, operations, losses, controls, and current program terms still determine the path.

What helps us review the opportunity

Construction review depends on the work actually performed, height or depth, project mix, subcontracting, payroll by class, and jobsite controls—not a broad contractor label.

Tell the exposure story

  • Trade-specific work and project types
  • Heights, depths, equipment and road exposure
  • Subcontractor selection and certificate controls

Questions worth answering

  • What percentage is new construction versus service?
  • Which tasks are subcontracted?
  • Who supervises each active site?

What to send if you have it

  1. Payroll by trade and state
  2. Project list and maximum heights/depths
  3. Subcontractor costs and controls
  4. Safety program, losses and corrective actions

Start with what you have

Upload the available application, loss runs, supplemental, and mod worksheet, or complete the short online form. Missing items do not stop the first conversation; we will tell you what is needed next. Your existing agent can remain involved.

Check my construction situationSee the high-hazard review path →