Know the people who know workers’ comp®
Workers’ Comp Built for Construction
Summit’s decades of experience in construction provides agents with peace of mind that clients will be served with care.
7,000+ Agents Work With Summit
Connect with a Summit Agency Specialist
Why Summit is the right choice for construction risks
Construction-related business accounts for 41% of our in-force premium, a figure that reflects decades of experience in the industry.
You may think a client account is too complex, hazardous, or tough to place, but Summit evaluates each submission on its own merit with our proven problem solving ability, safety expertise, and claims management system in mind.
*Based on Summit internal data as of 3.6.26
Hard-to-Place Construction Classes
Many workers’ comp carriers avoid submissions considered too hazardous, including construction. Summit isn’t among them. We thrive when things get complicated.
Jobsite Safety Consulting
Summit’s loss prevention consultants work directly in the field with contractors to identify job specific hazards, strengthen safety practices, and support compliance.
Claims Management
Claims teams respond quickly, stay engaged, and drive decisions that support better medical outcomes and lower long-term costs.
Monthly Payroll Reporting
Summit’s monthly payroll reporting option aligns policyholder premium payments with work performed, which is especially valuable for seasonal and project work.
In-House Decision-Makers
Summit keeps underwriting, claims, loss prevention, and most audit functions in-house, giving agents access to the people accountable for outcomes.
Catastrophic Claim Expertise
Summit has decades of experience managing serious and catastrophic construction injuries, helping clients navigate their most challenging claims with confidence.
30% Fewer Open Claims
Summit has 30% fewer open claims than the industry average 18 months after the accident occurred.
*Statistics produced from Summit’s 2025 internal data
Send Us the Risks Other Carriers Avoid:
- Roofing
- Excavation
- Home builders
- Street and road construction
- Concrete or cement work
- Heating, Ventilation, and Air Conditioning (HVAC)
- Electrical
- Accounts with high experience mods
- Operations with complex exposures or challenging histories
Leading Independent Agencies Win with Summit
Join more than 7,000 independent agents and 31,000 policyholders across 17 states who trust Summit’s pure focus on workers’ compensation insurance.
“The refreshing thing about Summit is they’re willing to listen to a challenging client’s story that other carriers will turn down. That level of collaboration and problem-solving requires real expertise and makes life so much easier for us and our clients.”
Duke Baldridge
President, Dominion Risk Advisors
“Summit’s team makes every facet of workers’ comp easy for us. The value we receive is off the charts. It’s our greatest agency relationship, by far, with any insurance carrier.”
Bret Hughes
President, Hughes Insurance Services
“Summit writes the majority of our workers’ comp business. Their expertise and responsiveness is next level and needs to be experienced.”
Greg Lane
Agency Partner, Insurance Management Group
“In the workers’ comp marketplace, we’ve found that Summit has the best products, engagement, agent training, compensation, and incentives—they are leading the pack. Summit has competitors, but those competitors are second tier.”
James Lumbra
President, LRA Insurance
FAQ - Workers’ Comp Insurance for Construction
Why is Summit the right workers’ comp choice for construction-related business?
Construction accounts require a workers’ comp provider that has deep expertise in higher risk industries. Summit’s decades of experience in construction provides agents with peace of mind.
What construction risks are included in Summit’s appetite?
Summit’s broad appetite includes roofing, home builders, street and road construction, excavation, concrete or cement work, HVAC, electrical, accounts with high experience mods, and operations with complex exposures or challenging histories.
How does Summit support jobsite safety?
Summit’s loss prevention consultants work directly in the field with contractors to identify job specific hazards, strengthen safety practices, and support compliance.
How does monthly payroll reporting help construction clients?
Summit’s monthly payroll reporting option aligns policyholder premium payments with work performed, which is especially valuable for project-based and seasonal construction operations.
How does Summit manage construction claims?
Summit deploys local resources to hospitals and jobsites to gather facts early, assess equipment and conditions, and support urgent medical decision-making.
What does the data show about construction claims?
Approximately 30% of contracting claims result in lost time, construction claim severity is approximately 64% higher, and construction claims have greater medical complexity.
*Statistics based on Summit’s internal data
What should agents include in quote-ready construction submissions?
Strong submissions tell the story of the business, not just the class code. Include loss and payroll history, safety approach, subcontractor use, certificates, and states of exposure.
Ready to start your Summit experience?
Complete this form to connect with a Summit agency specialist.
Know the people who know workers’ comp.®
Workers’ Comp Built
for Construction
Summit’s decades of experience in construction provides agents with peace of mind that clients will be served with care.
Connect with a Summit Agency Specialist
Why Summit is the right choice for construction risks
Construction-related business accounts for 41% of our in-force premium, a figure that reflects decades of experience in the industry.*
You may think a client account is too complex, hazardous, or tough to place, but Summit evaluates each submission on its own merit with our proven problem solving ability, safety expertise, and claims management system in mind.
*Based on Summit internal data as of 3.6.26
Hard-to-Place Construction Classes
Many workers’ comp carriers avoid submissions considered too hazardous, including construction. Summit isn’t among them. We thrive when things get complicated.
Jobsite Safety Consulting
Summit’s loss prevention consultants work directly in the field with contractors to identify job specific hazards, strengthen safety practices, and support compliance.
Claims Management
Claims teams respond quickly, stay engaged, and drive decisions that support better medical outcomes and lower long-term costs.
Monthly Payroll Reporting
Summit’s monthly payroll reporting option aligns policyholder premium payments with work performed, which is especially valuable for seasonal and project work.
In-House Decision-Makers
Summit keeps underwriting, claims, loss prevention, and most audit functions in-house, giving agents access to the people accountable for outcomes.
Catastrophic Claim Expertise
Summit has decades of experience managing serious and catastrophic construction injuries, helping clients navigate their most challenging claims with confidence.
30% Fewer Open Claims
Summit has 30% fewer open claims than the industry average 18 months after the accident occurred.
*Statistics produced from Summit’s 2025 internal data
Send Us the Risks Other Carriers Avoid:
- Roofing
- Excavation
- Home builders
- Street and road construction
- Concrete or cement work
- Heating, Ventilation, and Air Conditioning (HVAC)
- Electrical
- Accounts with high experience mods
- Operations with complex exposures or challenging histories
Leading Independent Agencies Win with Summit
Join more than 7,000+ independent agents and 31,000+ policyholders who rely on Summit’s pure focus on workers’ compensation insurance.
“The refreshing thing about Summit is they’re willing to listen to a challenging client’s story that other carriers will turn down. That level of collaboration and problem-solving requires real expertise and makes life so much easier for us and our clients.”
Duke Baldridge
President, Dominion Risk Advisors
“Summit’s team makes every facet of workers’ comp easy for us. The value we receive is off the charts. It’s our greatest agency relationship, by far, with any insurance carrier.”
Bret Hughes
President, Hughes Insurance Services
“Summit writes the majority of our workers’ comp business. Their expertise and responsiveness is next level and needs to be experienced.”
Greg Lane
Agency Partner, Insurance Management Group
“In the workers’ comp marketplace, we’ve found that Summit has the best products, engagement, agent training, compensation, and incentives—they are leading the pack. Summit has competitors, but those competitors are second tier.”
James Lumbra
President, LRA Insurance
Services Delivered by In-House Specialists Focused 100% on Workers’ Comp
Our underwriters, claims, loss prevention, and customer care teams—the departments you’ll interact with regularly—have seen it all and know the nuances specific to comp.
FAQ - Workers’ Comp Insurance for Construction
Why is Summit the right workers’ comp choice for construction-related business?
Construction accounts require a workers’ comp provider that has deep expertise in higher risk industries. Summit’s decades of experience in construction provides agents with peace of mind.
What construction risks are included in Summit’s appetite?
Summit’s broad appetite includes roofing, home builders, street and road construction, excavation, concrete or cement work, HVAC, electrical, accounts with high experience mods, and operations with complex exposures or challenging histories.
How does Summit support jobsite safety?
Summit’s loss prevention consultants work directly in the field with contractors to identify job specific hazards, strengthen safety practices, and support compliance.
How does monthly payroll reporting help construction clients?
Summit’s monthly payroll reporting option aligns policyholder premium payments with work performed, which is especially valuable for project-based and seasonal construction operations.
How does Summit manage construction claims?
Summit deploys local resources to hospitals and jobsites to gather facts early, assess equipment and conditions, and support urgent medical decision-making.
What does the data show about construction claims?
Approximately 30% of contracting claims result in lost time, construction claim severity is approximately 64% higher, and construction claims have greater medical complexity.
*Statistics based on Summit’s internal data
What should agents include in quote-ready construction submissions?
Strong submissions tell the story of the business, not just the class code. Include loss and payroll history, safety approach, subcontractor use, certificates, and states of exposure.
Ready to start your Summit experience? Complete this form to connect with a Summit agency specialist.