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Construction Insurance

Whether you're a real estate management company, design professional, construction manager, general contractor, or a light or heavy trade contractor, we understand the issues that impact your total cost of risk.

Our expertise is in risk management, construction insurance and safety. We work in risk transfer, safety and loss control, claims advocacy and other various core insurance services. The Horton Group also provides solutions in surety and employee benefits.

Greatest Risks Facing the Construction Industry

Captives, Self-Insurance: Why?

In our experience, we have many conversations with customers which are driven by the goals and objectives of their respective business. It is critical for us to align an insurance and risk management program with the goals and objectives of the business because these components need to be in sync to achieve the best results.

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Unknowns of the Master Program

Misconceptions and Unknown Facts with Master Programs (1:04)

uNKNOWNS OF THE MASTER PROGRAM

Real estate owners and property managers are constantly looking to find the best economical way to enhance their bottom line. Bringing their insurance program into a master structure is one way this allows them to make financial enhancements. A master policy brings everything (effective dates and carriers) to a single effective date which can help ease the administrative burden and make a consistent payment schedule. Most importantly, a master policy will allow a smoother and efficient business operation in regards to the risk management program, therefore leading the way to a higher level of performance.

Modular Building – The Next Frontier of Evolution in Construction

The safety risks inherent with a construction project of any shape and size are always at the forefront of an executive’s mind. With 991 construction industry fatalities in 2016 according to OSHA statistics, it is not hard to see the repercussions of accidents and unsafe working conditions. What if there was a way to lower your risks on the job site, lower your costs, and create a more efficient workforce?

New risks and opportunities lie ahead. Are you prepared?

Surprising Growth In Equipment

Construction Equipment Revenue Projected to Top $40 Billion by 2020

A Shift Towards Predictive Safety

Wearable Technology in Construction: The Promise and the Perils

Construction Cyber Exposures Growing

Construction Companies: The Next Cyber Target?

Issues to Watch

What lies ahead? What issues should you be prepared for?

The Size of Job & the Measure of Risk We Take

The Size of Job & the Measure of Risk We Take (from Horton Future Forum)

Dr. Thomas Schliefer, construction turn-around expert and professor at Arizona State University, presented to a large group at a Horton Future Forum event specifically for the construction industry. His presentation “The Contractor of the Future” centered around the idea that now is the time to rebuild construction businesses to be in a position to turn overhead on and off to quickly adapt to market cycles so that contractors can remain profitable at any volume.

Watch Dr. Schliefer explain how the quest for volume leads contractors to take risks that they typically would not take if they stay committed to the work that has proven profitable time and time again.

New Technology Could Improve Performance & Reduce Workers’ Compensation Claims

Superhumans were once only found in comics and movies. Today, ordinary humans are becoming “super human” with new technology allowing them to move and lift heavy materials at the workplace – safely and with ease.

The Priciest OSHA Violations in 2018

2018 was another year of strict, OSHA oversight. Which violations were most enforced and resulted in a penalty? Click the buttons below to learn more.

General Contractors

Trade Contractors

Six Misguided Construction Industry Beliefs

The construction industry is the second most risky business venture. It falls just behind restaurants. A study released by market researcher Statistic Brain reveals that less than half of all construction companies are still operating after four years in business. That’s not surprising when you consider that many contractors operate on outdated beliefs.

Article: ACA and the Impact on Construction Employees

The Subject All Contractors Want to Avoid

The typical response when speaking to a contractor on the subject of health insurance goes something like "...we don't have to worry about that too much. We have a small plan - most of our employees are covered by the union."

Thanks to the Affordable Care Act - life may have gotten more complicated on both fronts. The first, many small group plans are under major pressure due to community rating. Second, even though field employees are covered by the union health insurance plans, the recordkeeping and reporting requirements employers must undertake are the same as if they were your own employee.

OSHA Crackdown Temporary Workers

Businesses Beware: OSHA has begun cracking down on the growing utilization of temporary staffing firms to fulfill short term labor needs or to provide a temp to hire employees

Areas we serve

The Horton Group offers insurance, safety consulting and risk advisory services nationwide including Illinois, Indiana, Michigan, Wisconsin as well as Orland Park, Chicago, Schereville, South Bend, Waukesha, Milwaukee.

Construction

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Pitfalls of Indemnity Agreements: Protecting Yourself and Your Insurability

Posted July 29, 2019 at 10:00 AM

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OSHA Preparedness & Protection, Are You There?

Posted September 27, 2018 at 1:15 PM

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Drive Down Risk Through Stop Work Authority

Posted December 11, 2018 at 1:15 PM

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Worker Safety – Before The Advent of Stop Work Authority

Posted September 27, 2018 at 1:45 PM

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Checklist: Reasonable Suspicion

Posted July 11, 2019 at 9:15 AM

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OSHA – Crossing the T’s and Dotting the I’s

Posted July 1, 2019 at 7:30 PM

Construction Insurance

Whether you're a real estate management company, design professional, construction manager, general contractor, or a light or heavy trade contractor, we understand the issues that impact your total cost of risk.

Speak to an expert about our real estate & construction insurance services:

Niche Construction Insurance Programs

Construction Forms

Captives, Self-Insurance: Why?

Captives, Self-Insurance: Why?

Unknowns of the Master Program

uNKNOWNS OF THE MASTER PROGRAM

Modular Building – The Next Frontier of Evolution in Construction

Modular Building – The Next Frontier of Evolution in Construction

The Future of Construction

New risks and opportunities lie ahead. Are you prepared?

Issues to Watch

Issues to Watch

The Size of Job & the Measure of Risk We Take

The Size of Job & the Measure of Risk We Take (from Horton Future Forum)

New Technology Could Improve Performance & Reduce Workers’ Compensation Claims

New Technology Could Improve Performance & Reduce Workers’ Compensation Claims

Superhumans were once only found in comics and movies. Today, ordinary humans are becoming “super human” with new technology allowing them to move and lift heavy materials at the workplace – safely and with ease.

Construction - 2014 OSHA Violations

The Priciest OSHA Violations in 2018

Six Misguided Construction Industry Beliefs

Six Misguided Construction Industry Beliefs

Article: ACA and the Impact on Construction Employees

The Subject All Contractors Want to Avoid

OSHA Crackdown Temporary Workers

OSHA Crackdown Temporary Workers

Areas we serve

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