Why do construction companies need specialized benefits help?

Construction blends field crews and office staff, often with seasonal or hourly workers and real injury risk. Your workers' comp class codes, health plan networks, and 401(k) participation all look different than a typical office. We tailor the package to how your company actually runs.

Can you help lower our workers' comp premium?

Often, yes. We review your class codes and experience modifier, benchmark your premium against the market, and build safety and return-to-work programs that can bring your e-mod down over time. Many contractors save meaningfully just by shopping at renewal.

What health plans work best for field crews?

Plans with broad networks tend to work best, since your crews may work across multiple job sites. We compare PPO, HMO, and HDHP options from A-rated carriers and show you the trade-offs in real dollars — including what your team will pay at the doctor.

Do you offer 401(k) plans for small trades companies?

Yes. Even small trades companies can offer a 401(k) or a SIMPLE IRA, and a retirement plan is one of the most effective ways to retain skilled tradespeople. We'll show you plan types and costs for your headcount.

Construction & Trades

Employee benefits for construction and trades companies

Your crews work hard in high-risk conditions, and your benefits should match. We tailor group health, workers' comp, disability, and a 401(k) to how a construction or trades business actually runs.

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Who it's for

Built for the realities of running a crew

Field crews, office staff, and real injury risk in between. Your benefits package should fit all of it.

Health & dental for field and office crews

Plans that work for crews with varied schedules and locations.

Workers' comp for your class codes

Class codes and safety programs that fit construction and trades.

Disability & income protection

Short- and long-term disability for your crews.

401(k) for your team

A retirement plan that helps you keep skilled tradespeople.

Enrollment & support

We handle enrollment and answer your crew's questions.

Plain-language value

Real numbers and clear next steps — no jargon.

How it works

From quote to enrolled in three steps

1
Tell us about your crews
Headcount, roles, current benefits, and what's not working — in a free call.
2
See trade-tailored options
We bring health, workers' comp, disability, and 401(k) options that fit.
3
Launch & support
We handle enrollment and answer your crew's questions year-round.

FAQ

Construction and trades benefits questions

Related services

What goes into your package

Workers' Compensation Insurance

Workers' comp tuned to your class codes.

Group Benefits for Small Business

One local partner for your whole package.

Group Health & Dental Insurance

Health plans your crews will actually use.

Wellness & Disability Programs

Disability and wellness for your team.

401(k) & Retirement Plans