Can I bid the job?
Owners and lenders set requirements before you can bid. Your program can also be a lever, not just overhead to bake into a bid.
Construction insurance and risk management
A construction insurance broker that reads your contracts, not just your renewal.
InFrame is a specialist construction insurance broker for general contractors. We read your contracts, with owners above you and subs below you, against your policies, so your coverage matches the work you actually build.
Licensed in all 50 states and DC · InFrame Insurance Services LLC
What we handle
- Insurance placement
- Risk management
- Contract review
- Certificates
- Claims support
- Subcontractor compliance
Your broker should always understand the business behind the policy.
Insurance affects operations and finance, yet for most mid-market contractors it is still handled as a transaction. Your broker needs to understand how you operate, the market you work in, and the businesses you contract with. Without that, they cannot represent you properly to insurers, and work gets held up or lost.
Can my subs get on site?
Prevent delays and bad experiences with subs mobilizing before their paperwork clears.
Am I covered when things go wrong?
Having insurance does not always mean your business is protected when things go wrong.
Can I close out and get paid?
Retention sits until every sub’s closeout document lands. One missing certificate delays payment.
What changes
How your business operates shapes every insurance and risk decision we make.
Show up prepared
We read your program from the inside and collect market data from the outside before the first real meeting.
Bid more of the work you want
We check your program against what owners and developers in your counties actually require, so you find out you are ineligible before you lose the job, not after.
Certificates read, not filed
Every sub certificate, and ideally the policy behind it, checked against your contract’s requirements and the project requirements more broadly.
Go to market with a real story
Your operations translated into a submission underwriters can price properly, instead of a form that makes you look like everyone else.
Run the renewal as a project, not a deadline
We start working on renewals at least a quarter out to get the best terms going forward. We also make sure coverage is designed around next year’s work and a full understanding of your obligations and requirements.
Know what you are actually paying for
Costs allocated to the projects, payroll classes and entities that generate them, so the annual audit is not the first time you see it.
Three steps. No commitment until you’ve seen the work.
Step 01
Send us your contracts, your subcontracts from one project, and your current policies. Whatever you have. We do not need it organized.
Step 02
We read both, against each other. Line by line: what your contracts require and what your policies actually deliver.
Step 03
You get a written picture. Where the two diverge, what it exposes, and what it would take to close it.
Most reviews come back within three business days.
Licensed in 50 states and DC
InFrame Insurance Services LLC is a national licensed insurance brokerage.
NPN 22200284.
Click on the license number to copy to your clipboard
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Questions about working with InFrame
What does InFrame Risk do?
InFrame Risk is a construction and real estate insurance broker. We place and service insurance programs for mid-market specialty contractors, general contractors, and property owners, and we read the contracts, leases, and policies behind every certificate so you know where you stand, and where your subs do.
What does a construction insurance broker do?
A construction insurance broker represents your business, not an insurance company. They assess your risk, take your program to multiple carriers, negotiate coverage and price, and service the account all year: certificates, endorsements, audits, and claims. A specialist broker also reviews the contracts that drive your insurance requirements.
How is InFrame different from a traditional insurance broker?
Most brokers focus on the renewal and treat certificates as paperwork. We start with how your business actually operates, including your contracts, subs, tenants, and entities, and build your program around that. Compliance tracking runs all year, and a licensed advisor checks the work.
Is InFrame an insurance broker or a software company?
A licensed insurance broker first. Our construction risk management platform is how we deliver the service: it collects and reviews contracts, certificates, and policies so problems surface before a claim does. You work with experienced construction insurance advisors, and the technology does the reading.
When is the right time to switch insurance brokers?
Four to six months before renewal is ideal, since complex programs take time to underwrite. If a claim, a compliance miss, or a premium spike has you questioning your current setup, you don’t have to wait: a broker of record letter can move servicing to InFrame mid-term without canceling your policies.
Is InFrame a fit for our company?
We work with mid-market general contractors. Companies running enough concurrent projects that contracts, subcontractor coverage and certificates have become real operating risk, and not so large that they are a national broker’s priority account. If that’s you, we’ll start with a review of your current program and contracts.
See what a specialist notices about your business.
Send us what you have. We will tell you what we see.
Licensed in all 50 states and DC · InFrame Insurance Services LLC