Built for Builders: A Smarter Approach to Workers’ Comp

Workers’ compensation is a significant cost of doing business in construction. But a program designed for businesses across every industry may not always reflect the way builders, remodelers and trade contractors actually operate.

That’s where one of the business benefits available through your BAMP membership can make a difference.

Workers’ Comp Designed for the Construction Industry

Through the Pennsylvania Builders Association (PBA), eligible BAMP members have access to a workers’ compensation program created specifically for the construction industry.

PBA Workers’ Comp was established in 1999 to give builders and other construction-related businesses an alternative to traditional workers’ compensation programs. Rather than taking a one-size-fits-all approach, the program is built around the realities of construction—from changing payroll and subcontractor relationships to jobsite safety and construction-specific claims.

For qualifying companies, the program offers:

• Stable, competitive rates designed with construction businesses in mind
• Construction-focused claims management with proactive claims handling and medical cost management
• Subcontractor advantages — no workers’ comp charge for subcontractors carrying at least $300,000 in general liability coverage
• Parallel Pay®, which allows premiums to track actual payroll rather than relying solely on traditional annual premium billing
• Potential dividends for qualifying, well-performing companies

Why the Right Program Matters

Not all workers’ compensation programs evaluate construction risk the same way.

Traditional programs may rely heavily on broader industry averages, which can make it difficult for companies with strong safety practices and favorable claims experience to see those efforts reflected in their overall insurance costs. Construction companies can also face challenges with subcontractor charges, fluctuating payroll and claims being handled by teams that may not specialize in the trades.

A construction-focused program is designed to address those realities.

For more than 25 years, PBA Workers’ Comp has served builders, remodelers and other construction businesses, providing an insurance option developed specifically for the industry it serves.

Put Your BAMP Membership to Work

Workers’ compensation is coverage your business already needs. Your BAMP membership may give you access to a program that better understands your industry—and potentially delivers greater value to your bottom line.

If you’re already paying for workers’ comp, it’s worth seeing what your BAMP membership could do for your business.

Ready to compare? Request a quote from PBA Workers’ Comp and see how the program stacks up against your current coverage.