Construction Insurance
Coverage built for
the jobsite.
General liability, builder's risk, workers' comp, and equipment coverage designed around how contractors actually work — from bid to punch list.
- General liability, builder’s risk & workers’ comp under one strategy
- Contract and certificate reviews before you sign — not after a claim
- Coverage that scales with your backlog and crew size
The jobsite changes daily, and generic coverage drifts out of step fast. We build construction insurance programs around your trades, your contracts, and your equipment schedule — so the coverage you carry matches the work you actually perform.
Specialists
By Design.
Deep expertise in the sectors where risk is real and the margins for error are thin.
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Years of experience in the trades
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Businesses & individuals protected
0%
Client retention year over year
Protection that keeps pace with the project
Every phase of a build carries different risk — excavation, framing, trades overlapping on site, punch-list handoff. We map coverage to the way your projects actually progress, so a gap never surfaces mid-build.
- Builder’s risk & installation floaters sized to each project
- Subcontractor certificate tracking and indemnity alignment
- Equipment & inland marine coverage for tools that move between sites
Carriers
We Represent
Why OxEra
Why people love The OxEra Group
Insurance Solutions
You work with a dedicated advisor who knows your industry, your company, and your goals — and stays accountable to all three. No handoffs, no call centres, no being passed around. Just one person who picks up the phone and already knows the full picture of your operation.
The right coverage is the one that holds when it matters most.
Our methodology
Seven interlocking layers that reduce total risk, not just annual premium.
Our 7-Step Risk Management Process
Risk Discovery
We spend real time on your floor, your site, and your books — understanding the operation before we ever talk coverage.
Exposure Mapping
We chart every meaningful risk: people, equipment, contracts, supply chain, and regulatory obligations.
Strategy Design
We build a layered risk strategy — coverage, operational controls, and carrier relationships — tailored to your situation.
Carrier Placement
With access to specialty markets, we negotiate terms that reflect how well-run your operation actually is.
Contract Alignment
We review your contracts, certificates, and indemnity terms so your coverage and your obligations never drift apart.
Claims Advocacy
When something happens, we manage the claim and fight for the outcome — you keep running the business.
Ongoing Partnership
We meet annually — and whenever things change. The relationship deepens because the risk picture always evolves.
Free monthly webinars
Join our group for free monthly webinars
Practical risk intelligence for construction and manufacturing leaders.
Client voices
Hear from our clients.
“OxEra didn't just find us coverage — they found exposures we didn't know we had. The relationship has made our whole operation safer.”
Marcus T.
President, Tier One Structural
“For the first time in twenty years of running a shop, I felt like my insurance advisor understood what we actually do. That clarity changed everything.”
Diana R.
Owner, Clearwater Fabrication
“Every renewal used to feel like starting over. With OxEra it feels like a progress report — they come back knowing more, not less.”
James K.
VP Operations, Summit Contracting
“They read our subcontracts before we signed them. Nobody had ever done that for us.”
Priya S.
CFO, Ridgeline Builders
“When we had our first major claim, OxEra handled everything. We never stopped production. That's when I knew we'd made the right call.”
Tom W.
GM, Ironbark Manufacturing
“Straight answers, no jargon, and a premium that finally reflects how we actually run our sites.”
Elena M.
Director, M&Co Civil
“OxEra didn't just find us coverage — they found exposures we didn't know we had. The relationship has made our whole operation safer.”
Marcus T.
President, Tier One Structural
“For the first time in twenty years of running a shop, I felt like my insurance advisor understood what we actually do. That clarity changed everything.”
Diana R.
Owner, Clearwater Fabrication
“Every renewal used to feel like starting over. With OxEra it feels like a progress report — they come back knowing more, not less.”
James K.
VP Operations, Summit Contracting
“They read our subcontracts before we signed them. Nobody had ever done that for us.”
Priya S.
CFO, Ridgeline Builders
“When we had our first major claim, OxEra handled everything. We never stopped production. That's when I knew we'd made the right call.”
Tom W.
GM, Ironbark Manufacturing
“Straight answers, no jargon, and a premium that finally reflects how we actually run our sites.”
Elena M.
Director, M&Co Civil
Our footprint
States
we serve.
Licensed across the country, with deep roots in the markets that build and make things.
Common questions
FAQs.
Not answered here? Ask us directly.