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Our insurance solutions – constructed with experience and expertise.

Learn how we can make a difference in your insurance protection.

Leverage Our Strong Foundation In Insuring the Construction Industry

In 1986, Michael Haughn founded Haughn & Associates (H&A) with a primary focus in the construction industry, providing tailored insurance services and products to contractors and their suppliers. Throughout our three decades in this niche specialty, we have solidified our position as a respected, leading insurance and risk-management resource for contractors large and small in Ohio and beyond. Our Commercial Lines Department is staffed by experienced and licensed personnel who have dedicated their careers to minimizing the exposures of our construction clients, and are active members of several industry associations.

Lowering Workers’ Comp Costs

We work with a broad spectrum of contractors – from general to heavy construction and specialty trade contractors (such as carpenters, drywallers, electricians, landscapers, and masons, plumbers/HVAC, solar, etc.). Our agency’s objective is to help you manage your risk effectively, resulting in lower operating costs, greater profits, and a stronger balance sheet. Our portfolio of insurance coverages for the construction industry includes:

 

  • Commercial General Liability
  • Contractor’s Pollution Liability
  • Professional Liability
  • Railroad Protective Liability
  • Commercial Auto Liability
  • Commercial Umbrella/Excess
  • Commercial Property
  • Builder’s Risk
  • Business Interruption
  • Contractor’s Equipment
  • Installation Floater
  • Employment Practices Liability
  • Workers’ Compensation

H&A also offers bonding programs to assist contractors in bidding competitively on and securing new projects. Visit our Surety Bonds section here.

Along with our carrier partners, we offer industry-specific loss control and claims handling to help you mitigate losses and manage complex and catastrophic construction claims if and when they do occur. This may include providing bilingual safety materials; supervisor training in safety behavior modification; accident investigation, mitigation, and accountability for preventing accidents; safety audits; assistance with OSHA compliance; and more.

Wrap-Up Solutions

H&A is experienced in working with contractors on large, complex construction projects and can set up a wrap-up program for these risks. There are two common types of wrap-up programs available: an Owner-Controlled Insurance Program (OCIP) where the project owner can purchase an insurance policy that covers the various participants involved in the construction project, including the owner, construction manager, general contractors, and subcontractors; and a Contractor-Controlled Insurance Program (CCIP) where construction managers and general contractors purchase the policy under which everyone involved in the project is covered. A wrap-up provides General Liability and/or Workers’ Compensation and Excess/Umbrella insurance for all participating contractors on a construction project under one primary insurance policy – from the project’s construction phase to its completed operations phase.

Several of the possible benefits of a wrap-up policy include:

  • Because a single insurer is the control point for all claims and can streamline claims processing, you may gain cost savings and efficiency.
  • Owners can isolate the risk associated with construction away from their core operational insurance.
  • Duplication in coverage that occurs when each contractor purchases independent insurance is eliminated.

The success of wrap-up insurance ultimately depends on the size of the construction project and the surrounding state laws. We can determine if a wrap-up makes sense for your project.

Our Commitment to You

At Haughn & Associates (H&A), our core values and principles of integrity, honesty, dependability, innovation, and collaboration shape who we are and guide us; they ultimately allow us to provide our clients with high-quality insurance products and an unparalleled level of superior service. Each business, family, and individual is given the personalized attention needed to design the right fit of insurance and risk management protection.