Insurance For Contractors
Stable, Competitive Rates
Built for Contractors
Proactive Protection
Trusted by the midwest’s finest contractors
Our services
Business Insurance
Simplified business insurance solutions built specifically for blue-collar businesses. With a focus on both stability and growth, our solutions protect the business you’ve worked hard to build and scale effortlessly to secure your future success.
Surety Bonds
As a growing contractor, bonding is either a roadblock or a key to unlocking growth and development opportunities for your business. Through our proactive approach, we'll help you get prequalified for bonds before you need them, allowing you to focus on landing the jobs that drive your business forward.
Life & Disability Insurance
Your work is physically demanding and inherently risky. We offer life and disability insurance options to protect your income and provide financial security for your loved ones.
How we helped Everest
Heating Cooling & Plumbing
-38%
Premium savings
+3
Coverage gaps filled
One
Trusted partner for business insurance and bonding
Stabilized
Rates based on Payroll exposure instead of Sales
We begin with a no-obligation consultation to understand your business operations, potential risks, and current insurance coverage—uncovering gaps, unnecessary costs, and areas for improvement.
The best part? We do all of this in less than an hour, without disrupting your current agent relationship.
Markets are constantly shifting, so it's important to know which carriers have a strong appetite for growth in your industry and in your geographic region.
In this step, we'll build a compelling narrative and a strategic plan, so we can negotiate the best rates and coverage with the right carriers.
You’ll receive a clear breakdown of the options, with recommendations for any adjustments based on your priorities. We ensure you understand every detail, and we’ll answer any questions you have to ensure your confidence in the solution.
You’ll receive clear instructions and full support every step of the way, ensuring you're up to speed, fully protected, and ready to get to work from day one.
A key part of this is our proactive payroll reviews. By regularly assessing and adjusting your payroll, we eliminate audit exposure and avoid surprises that can impact your budget at year-end.
How Our
Process Works
No-Obligation Consult
Are you overpaying for your insurance, limiting the resources available for your business, employees, and family? Is your current policy missing important coverage? Where do we go from here?
We begin with a no-obligation consultation to understand your business operations, potential risks, and current insurance coverage—uncovering gaps, unnecessary costs, and areas for improvement.
The best part? We do all of this in less than an hour, without disrupting your current agent relationship.
Market Strategy
Did you know most agents have access to the same insurance carriers, yet the coverage and premiums they offer can vary significantly?
Markets are constantly shifting, so it's important to know which carriers have a strong appetite for growth in your industry and in your geographic region.
In this step, we'll build a compelling narrative and a strategic plan, so we can negotiate the best rates and coverage with the right carriers.
Solution Presentation
Once we’re done negotiating on your behalf, we present you with an insurance solution tailored to your business. This is where we bring everything together - outlining the proposed coverage and the financial benefit.
You’ll receive a clear breakdown of the options, with recommendations for any adjustments based on your priorities. We ensure you understand every detail, and we’ll answer any questions you have to ensure your confidence in the solution.
New Client Onboarding
When you're ready to move forward, we ensure a seamless onboarding process. Our team handles all the paperwork, quickly issuing any certificates you need—without delays or unnecessary back-and-forth.
You’ll receive clear instructions and full support every step of the way, ensuring you're up to speed, fully protected, and ready to get to work from day one.
Proactive Service Plan
Through our industry-tailored proactive services, your coverage will always reflect your current needs, regardless of business growth or shifting risks.
A key part of this is our proactive payroll reviews. By regularly assessing and adjusting your payroll, we eliminate audit exposure and avoid surprises that can impact your budget at year-end.
Areas We Serve
Proudly serving contractors across the Midwestern United States
Kansas City, KS
Wichita, KS
Topeka, KS
Lawrence, KS
Manhattan, KS
Salina, KS
Kansas City, MO
St. Louis, MO
Springfield, MO
Columbia, MO
Independence, MO
Lee's Summit, MO
Omaha, NE
Lincoln, NE
Bellevue, NE
Council Bluffs, IA
Fremont, NE
Papillion, NE
Denver, CO
Colorado Springs, CO
Aurora, CO
Fort Collins, CO
Thornton, CO
Arvada, CO
Areas We Serve
Proudly serving contractors across the Midwestern United States
KS
MO
CO
NE
Liberty, MO
Our clients say it best.
★★★★★
"Apex stepped in and helped SCA obtain GL & Professional Liability in record speed for our owner’s representation firm for construction advisory. They have been a tremendous resource of knowledge and are prompt to respond to any questions our firm has had going through the process. We appreciate and will continue to support the Apex team as our business continues to grow."
Jeremy N.
Switchgrass Construction Advisors
★★★★★
"I would recommend Apex and their team to anyone looking for insurance for their small business. Apex stepped in our lives and saved us thousands of dollars. We planned to renew with our previous provider thinking it was the right move, but we quickly realized what a great benefit we would see by switching. Not only is saving money a great benefit, but their small business mentality aligned perfectly with ours. Denzel and the team are very easy to work with and their customer service is amazing! They are quick to respond to questions or concerns, and explain everything in a way that actually makes sense!"
Jamie N.
DreamMaker Bath & Kitchen
★★★★★
"I had the opportunity to work alongside the team at Apex, and I was thoroughly impressed. Their professionalism, responsiveness, and clear communication stood out from the start. It’s easy to see why so many businesses trust them for their insurance needs. I’d confidently recommend Apex to anyone looking for knowledgeable and reliable service. Great people doing great work."
Brad S.
AutomationLinks
★★★★★
"Apex and its employees provide exceptional knowledge of the insurance products that are tailored to your business needs. Apex has excellent response time and attentiveness when you have a concern or any business circumstances that arise."
Cindy H.
Urban Electric & Lighting
Frequently asked
questions
What industries do you serve?
We specialize in blue-collar industries, with a primary focus on artisan contractors such as HVAC, plumbing, electrical, concrete, masonry, landscaping, and more. We also serve manufacturing, auto-service, and wholesale businesses.
What is your agency's experience working with contractors?
We are owners serving owners, and we understand the challenges that come with running a business. Prior to starting Apex, our team served various roles in ENR Top 100 General Contracting and AM Best Top 100 Insurance Companies.
As our team grows, we continue to expand this unique blend of experience, ensuring that you always receive practical, tailored solutions that address both industry and business needs—because we’ve been there ourselves.
What types of insurance do you offer?
Our goal is to provide comprehensive coverage that addresses the full scope of your business insurance needs. Below is a list of the services we offer and those we do not:
Included:
✅ Commercial Property & Casualty Insurance
✅ Surety Bonds
✅ Life & Disability Insurance
Excluded:
❌ Health Benefit Programs
❌ Personal Lines (Home and Auto) Insurance
Do you work with multiple insurance providers?
Yes, we are an independent insurance agency, which means we work with a variety of trusted carriers. This allows us to offer competitive pricing and the best possible coverage options tailored to your specific business needs.
How do I know if I'm overpaying for my insurance?
We conduct a detailed policy review and market comparison to uncover potential savings while ensuring you have the right coverage for your business.
How can I reduce my insurance premiums without sacrificing coverage?
In the insurance industry, the general rule of thumb is to monitor your premiums and potentially switch carriers every 2-3 years. If your agent works within the independent network and is doing their job, they should be actively marketing your business and ensuring you get the best value.
In addition to shopping for better rates, there are several strategies to reduce premiums, including proper claims management, risk management services, and alternative risk programs.
If your agent is not providing tangible results from these efforts, it may be time to consider a more proactive approach to your insurance strategy.
How do you handle certificate of insurance (COI) requests?
We handle COI requests quickly and efficiently, with a same-day guarantee. Unlike some agencies that offer "self-service" options, putting the burden on you to review contracts and ensure compliance, we take that responsibility off your plate. Our dedicated team ensures that the appropriate certificates are issued promptly, with the correct coverage details, so you can keep your projects moving forward without delays.
Can I get a quote online, or do I need to meet with someone in person?
Yes, we offer the flexibility to do business virtually when it’s convenient for you. While we’re happy to meet in person if that’s your preference, we also provide secure online solutions for document transfer and quote submission. You can submit all the necessary information electronically, and we’ll ensure a seamless, secure process to provide you with a competitive quote—all without needing to leave your office.
Is there a cost for the initial consultation?
No, the initial consultation is completely free of charge. During this meeting, we’ll assess your business needs and provide guidance on the best coverage options available, all at no cost to you.
How do I get started?
Getting started is easy! Simply contact us to schedule a free consultation. We’ll discuss your insurance needs, answer any questions, and guide you through the process to secure the right coverage for your business.
