A Standard of Care for the Concrete Trade
In the medical field, an anesthesiologist operates under a strict Standard of Care; a single oversight in the “mix” can be catastrophic. As a CLU® (Chartered Life Underwriter) and ChFC® (Chartered Financial Consultant)—credentials held by fewer than 5% of agents—I am held to a similar professional code and ethical rigor.
Since 1978, I have applied this technical precision to the concrete trades of Southwest Ohio. We don’t just “issue a policy.” We engineer a Tower of Protection to defend your financial well-being against a litigious world that seeks to jeopardize everything you have built.
⚡ Total Surety Solutions: One-Stop Bonding
In the concrete world, time is literally hardening. If you are waiting on a slow agent for paperwork, your crew sits idle and your margins shrink.
- 20-Minute Execution: We provide executed License & Permit Bonds and Street Opening Bonds for jurisdictions throughout SW Ohio in under 20 minutes.
- Scaling for Growth: With advanced setup, we provide Bid and Performance Bonds. Whether you are bidding on a local sidewalk project or a multi-million dollar municipal infrastructure contract, we provide the surety backing to guarantee your work and win the job. Performance Bonds up to $750,000 with a one page application and minimal finance history.
- In-House Notary: We handle the seals and signatures immediately to get your permits and bids submitted on time.
🛡️ The Tower of Liability: A Unified Defensive Shield
We provide 100% tailored coverage for artisan tradesmen. Unlike generic “box” agencies, we build a customized stack of protection that integrates specialized risks into a single policy.
High-Limit General Liability ($2M / $4M Available)
While many agencies settle for basic limits, we offer primary General Liability up to $2,000,000 per occurrence and $4,000,000 aggregate.
- Products & Completed Operations: Protection that stays with the job long after the forms are pulled—essential for foundation and structural work.
- Stop Gap & Dual Capacity: We plug the dangerous holes left by the Ohio BWC system, protecting you from employee-led “Intentional Tort” lawsuits.
Employment Practices & Pollution Liability
- EPLI: Defends your business against claims of wrongful termination, discrimination, or harassment within your crew.
- Limited Pollution: Covers accidental spills of sealers, fuels, or washout runoff that a standard GL policy will likely exclude.
Valuable Contractor Equipment: “All-Risk” Protection
- Full Replacement Cost Available: Inland Marine coverage for your mixers, forms, lasers, and screeds.
- In-Transit & On-Site: Your gear is protected against theft and vandalism 24/7.
❓ Q&A: Insights from a Master Instructor
With some simple advanced setup, bonds up to $750,000 can be preappro9ved with a one page application (financial statements and work history for even bigger needs), we can establish a bonding line for your business. This allows you to bid on larger public and private projects. Bid bonds are automatic for approved accounts.
It means your agent has mastered the highest level of risk management. I have taught the pre-license courses for the State of Ohio; I know the legal “fine print” that protects your assets.
If you’re cutting a curb or hitting the right-of-way, most SW Ohio municipalities won’t let you move dirt without it. We execute these immediately so you don’t lose a day of production.
If you’re cutting a curb or hitting the right-of-way, most SW Ohio municipalities won’t let you move dirt without it. We execute these immediately so you don’t lose a day of production.
This occurs when an injured employee sues the General Contractor, and the GC sues you for indemnity. Without specific “Action Over” protection, you could be left without a defense or indemnity if the case is successful.
Yes. We specialize in “all-in-one” tailored policies. By bundling these, we eliminate the “gap” where different carriers point fingers at each other. Environmental risks may be better placed on separate policies but environmental packs are available on BOP & CPP.
Closing Summary: The McCarthy Standard
Secure. Compliant. Fast.
In the concrete trade, the difference between a successful pour and a catastrophic loss often comes down to the integrity of the mix and the precision of the placement. Just as a building inspector verifies the vibration and bolt placement in a foundation to ensure structural soundness, your insurance requires a technical “Standard of Care.”
With nearly 50 years of experience serving Southwest Ohio, we don’t just provide a policy; we provide a defense that protects your family’s assets as fiercely as you protect your reputation. Whether you need a Street Opening bond in 20 minutes, a Performance Bond for a new contract, or a comprehensive “Tower of Protection,” we have the credentialed authority and “Risk Architect” credentials to get it done right the first time.
Avoid a “blowout” in your protection. Let’s ensure your business is poured on a solid foundation of long-term security.
📍 Contact Your SW Ohio Expert
Terry McCarthy, CLU®, ChFC®
🏠 8114 Paul Manors Dr., West Chester, OH 45069
📞 Call: 513-779-7920 extension 135
You may also ask for Chris or Justin for great service.
Serving West Chester, Cincinnati, Dayton, and the entire 9-county corridor.