Send your current policy and we'll show you what's missing, no obligation, no pricing pressure.
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AOR, fully backed by Sihle Insurance Group, provides construction insurance and risk management built around the size and complexity of your operation, from a single crew to a national contractor. We've spent over 20 years focused on general liability, contractors insurance, and the certificate and subcontractor management that keeps a job moving.
Protecting your business takes more than a quote. It takes a program that understands your trade, your subs, and what a GC is actually going to ask you to prove.
Nationwide reach, real experience, and coverage that's built for your trade
We're appointed to write construction coverage nationwide, not just Florida, so multi-state contractors and GCs are covered wherever the job is.
Coverage built around your trade and your operation size, from a single crew to a national contractor.
We place your program with financially strong, A+ rated carriers so your coverage holds up when it matters.
One of only 6 agencies in Florida appointed to United Fire Group's national construction program.
A held-up certificate can stop a job. We get your COIs out same day.
No generic commercial packages. Every policy is built around how contractors actually get exposed.
Commercial plumbing, pump & irrigation: View plumbing contractor insurance →
Water, sewer, utility & pump: View water sewer utility contractor insurance →
A wrong additional insured endorsement or missing waiver of subrogation is the most common reason a certificate gets kicked back. We get it right the first time.
Most GCs won't let you bid above a 1.0 mod. If yours is climbing, you're getting shut out of work you're qualified for. We review what's driving it and help bring it back down.
Losing a bid because your coverage doesn't meet the GC's prequalification requirements is avoidable. We check it before you submit.
A GC or owner puts the project under an Owner or Contractor Controlled Insurance Program. That means the general liability and workers' comp coverage for the job sits under their policy, not yours.
Since you're not covering GL and workers' comp for that job the normal way, part of what you'd otherwise pay is supposed to come back to you.
This is the piece most contractors never see. You're often entitled to a payroll credit for the coverage you're no longer carrying on that job, and it rarely gets flagged automatically.
We check every wrap-up job you're on to make sure you're actually getting the credit you're owed, instead of quietly leaving it on the table.
Find My Credit Owed
$60M Regional Pump & Dewatering Contractor
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$45M Regional Commercial Plumbing Contractor
$180M National General Contractor
Straightforward answers to what contractors ask us most
Tell us about your business and we'll reach out to walk through your coverage, no obligation.
AOR - Division of Sihle Insurance
We typically reply in a few minutes