Bender Insurance Solutions was founded over 80 years ago with a mission of providing protection, superior service and education to those who matter most. It’s a compelling commitment that continues to guide us, three generations later, the largest and only employee-owned, family-led commercial insurance brokerage in the Sacramento region.
The public works construction industry is wrought with guidelines, regulations and requirements. Companies operating within this industry are held to high standards, and they are also exposed to a great deal of risk. As a result, businesses in the public works construction industry must select insurance policies carefully, manage claims efficiently and engage in effective loss control in order to succeed. Fortunately, we understand the nuances of this particular industry.
Designing an insurance and risk management program for a contractor begins with the Commercial General Liability (CGL) policy. This policy creates the backbone by which other policies are subsequently integrated to coordinate coverages, such as Builder’s Risk, Umbrella/Excess Liability, Professional Liability or Contractor’s Pollution Liability. These coverages should be reviewed in tandem to be sure gaps are properly identified and addressed. The CGL policy provides coverage for liability arising from bodily injury, personal injury or damage to property of third parties.
Commercial auto insurance protects your company from financial liability when accidents involving commercial automobiles cause injury or property damage. Depending on the options chosen, this type of insurance may also protect your investment in commercial automobiles
We recognize our responsibility to monitor the entire Workers’ Compensation process — from coverage placement, classification review, to payroll audit processes and claims management. We don’t just react to changes in the Workers’ Comp environment; we pay attention and act preventively.
Suretyship, or the responsibility of providing bonds to satisfy the needs of businesses, is a profession based on keen financial understanding and trust. The Bender Insurance Solutions Bond and Surety Department is regionally acknowledged as the “standard” for obtaining bonds for its construction and general industry clientele. Since 1938, we have established trust-based relationships with underwriters and clients alike to maximize our effectiveness in the marketplace.
The Bender Alternative Risk Team (ART) has nearly 20 years of experience in providing California’s Employers with alternatives to traditional insurance offerings. Captives, Self-Insurance and High Deductibles can be a very good way to manage the long-term cost of risk while providing an Employer with much needed stability, regardless of market cycles, especially in times like these.
