You run a tight operation. Your insurance program should match.

We work with contractors across the full spectrum of the industry: general contractors, specialty trades (electrical, plumbing, HVAC, roofing, concrete), heavy construction, civil engineering, residential and commercial builders, and construction management firms. If your work involves managing risk across crews, equipment, subcontractors, and project sites, we're built for you.

We build comprehensive programs that typically include general liability, workers' compensation, commercial auto, builder's risk, equipment and tools coverage, professional liability, and umbrella/excess coverage. For larger or more complex operations, we also have experience with wrap-up programs (OCIPs and CCIPs) and contractor-controlled insurance programs for multi-party projects. Every program is built around your specific operation.

A group captive is an insurance company owned by its members. Businesses pool together, fund their own risk, and retain the underwriting profits that would otherwise go to a traditional carrier. For contractors with strong safety records, low claims frequency, and $150,000 or more in annual premium, captive participation can turn insurance from a recurring expense into a long-term equity asset. Polarix will run a complimentary analysis to model what captive membership could have returned to your business over the past five years so you can see the opportunity clearly before making any decision.

Workers' compensation is typically the largest insurance expense for contracting businesses, and it's also where the most value is left on the table. We design workers' comp programs around your actual safety culture and loss history, not industry averages, and connect qualifying contractors with captive structures that return favorable loss experience as equity. We also work with our clients on loss control strategies that improve safety outcomes and reduce mod factors over time.

Both. We work with GCs managing complex multi-trade projects and specialty subcontractors running focused operations. The coverage needs differ significantly. Subcontractors often face unique exposure around completed operations, contractual liability, and certificate of insurance requirements. We design programs accordingly. If you're a subcontractor who has been taking whatever policy your GC approves without someone actually reviewing it for your protection, that's worth a conversation.

In traditional brokerages, your advisor is compensated to place your policy. At Polarix, our advisors are partner-owners, which means they're building long-term value in a firm whose reputation depends on client outcomes. That's a fundamentally different relationship than transactional brokerage. It's the reason we bring captive analysis to clients who qualify, proactively identify gaps before renewals, and measure success by what changes for your business, not just whether you re-sign.

Start with a conversation. We'll learn about your operation, review your current program, and give you an honest assessment of where you stand, including whether a captive program could be a fit. If we can help, we'll show you exactly how. If we can't, we'll tell you that too.