ERMA-Shield Construction Industry Program

ERMA-Shield construction industry program is designed for quality construction accounts that will adhere to a high standard of workplace safe practices.

States filled in red below are the states we provide coverage in

Contractors Work Comp Program:

  • Coverage available in Alabama, Arizona, Arkansas, California, Connecticut, Florida, Georgia, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia & Wisconsin.
  • Package policy must be written with Nationwide.
  • New Ventures considered*
  • Email submissions to

Minimum Premiums and Deductibles:

  • $20,000 minimum premium on roofers
  • $3,000 deductible required on roofers (if available in that state)
  • $5,000 minimum premium on all other classes
  • $1,000 deductible required on all other classes (if available in that state)

Required at time of binding:

  • Signed Acord
  • Completed Supplemental application
  • 4 years currently valued loss runs (Include details of losses over $25,000)
  • 4 years Package premium and loss summary
  • Current Package policy effective/expiration dates.
  • *For new ventures or risks in business less than 3 years, please provide a resume with owner(s) and/or manager(s) experience for the past 5 years in a similar management level position in that field.