Construction
Our agency has specialized in insurance and risk management services for contractors for over 20 years. Each construction business is different and has varying needs for coverage, service and safety management. After working with you to determine those needs, we build a program that addresses each area.

As a large Midwest agency, we have a broad base of markets which allows us to handle all of your insurance needs. Whether you are building a senior village in Florida or providing the electrical service for a large municipal facility, we represent the carriers who are able to "get it done" for you.

We also have staff that specializes in bonding. Since we have strong relationships with both regional and national carriers, we can provide competitive pricing for your projects. To address the sometimes hectic nature of construction, we have a dedicated certificate of insurance and bond staff member to give you quick turnaround on your requests.
 
Safety Management
To no surprise, construction remains one of the hardest jobs in America. Whether it be trenching or plumbing, this hard work comes with hard numbers:
  • Employment expected roughly at 7 million with no change into 2010.
  • The rate of construction nonfatal occupational injuries and illnesses was 7.9 for 100 full time workers in 2001.
  • Construction work accounted for 22.6% of workplace fatalities in 2002
  • Construction accounted for 15% of permanent hearing loss cases reported in Michigan in 2000.
With employment in the construction industry remaining steady as reported by the Bureau of Labor Statistics, it is critical to ensure we have safe, healthy workers. Berends Hendricks Stuit remains committed to that purpose.

By partnering with Berends Hendricks Stuit, we bring a comprehensive risk management plan to you that can help develop and accomplish your risk management goals.
 
Risk Transfer Review
Risk transfer is an important component of a contractor's risk management program. We offera risk transfer review that includes:
  • Contract review of insurance requirements
  • Certificates of Insurance
  • Subcontractor Agreements
  • Additional Insured Endorsements
  • Indemnity/Hold Harmless Agreements
  • Waives of Subrogation
    		•
     
    Risk Management Programs
    • Controls of Hazardous Energy – Lockout/Tagout
    • Hazard Communication – “Right to Know”
    • Disaster Planning – Emergency  Evacuation/Action Plan
    • Hand Safety with Focus on Preventing Cumulative Trauma Disorder (CTD)
    • Reasonable Suspicion Training for Supervisors, Drug Free Workplace, DOT
    • Slips, Trips, Falls
    • OSHA Log 300
    • Preventing Back Injuries
    • Injury Reporting and Injury Trend Analysis
    • Exposure Control Programs
    • Confined Space Evaluations
    • Hearing Conservation
    • Powered Industrial Lift Truck Safety
    • Violence in the Workplace
    • Electrical Safety Awareness
    • American Heart First Aid / CPR Training
    • Site Evaluation
    • Industrial Hygiene Services
    • Claim / Accident Investigations
    • Return To Work Evaluations
    • Driver Qualification File Review
    • Personal Protective Equipment – Evaluation and Needs
    • Fleet Safety
    • Crane Safety
     
    Technology
    MyWave is your pass to a dynamic world of insurance and safety-related tools and information. A value-added service brought to you exclusively by Berends Hendricks Stuit, MyWave puts the power of the Internet at your fingertips and provides a wealth of solutions for your daily challenges.

    MyWave is an Internet-based client center that gives you and your employees real-time access to Berends Hendricks Stuit products and services. Log on and you'll find a customized homepage designed to keep you up to date on all the latest news and information that will make your job easier.

    Included in MyWave for Property & Casualty clients:

    • On-Line OSHA Log Tracking, Forms and Analysis
    • SafetyZone Employee Newsletters
    • Documents on Command – Library of downloadable articles, brochures, forms and reports on a variety of safety, insurance and OSHA topics
    • Online Services – Request fleet option changes, certificates of insurance and claims reports
     
    Claims Management
    We believe that claims services is one of the most important services we provide. We work with you to resolve claims quickly and fairly. For clients who have frequent or severe claims, we provide the following services:
    • Assist clients in developing processes and procedures to respond to claims.
    • Conduct regular meetings with clients to review open claims and assist in developing resolution strategies.
    • Provide regular progress reports on claims.
    • Monitor reserves for accuracy and review payments.
    • Assist in analyzing claim history for trends and coordinate loss control services.
    • Track the progress of subrogated claims until recoveries are obtained or efforts exhausted
     
    Experience Modification Verification
    When appropriate, we identify open claims on worksheet and close 120 days prior to expiration date (or reduce reserves if possible). We confirm that the corrected state cards are filed by insurance company if necessary.
     

    ©2008 Berrends Hendricks Stuit Insurance Agency, Inc. All Rights Reserved.