We Understand Your Program
Operating across 23+ states with explosives, heavy equipment, owned quarries, and renewable-energy project work creates a coverage stack that standard commercial markets won't underwrite cleanly. The submission has to land with carriers who write this class.
Multi-state WC coordination, blasting sub-limits, inland marine across a high-value mobile fleet, premises and products liability across owned quarry operations, and project-specific endorsements on utility-scale solar pile work all have to coordinate. A generalist broker treating this as a standard contractor submission misses what carriers actually need to see.
The right program is structured for the operational reality, not assembled from off-the-shelf lines.
Why Team Haugen
We Know Your Industry
We work in construction, wood products, mining and extraction, and heavy equipment across the Pacific Northwest. We speak the language and understand the risk profile.
Safety Is Our Leverage Too
A strong EMR is a weapon in submissions, but only if your broker knows how to use it. We build underwriting narratives that lead with the safety story, not just loss runs.
Multi-State Complexity
23+ states is not a standard submission. We coordinate multi-state WC, admitted versus E&S markets, and project-specific programs, and we have the carrier relationships to do it effectively.
Blasting Expertise
Explosives liability is a specialty market. We know which carriers write it, which sub-limits to push back on, and how to structure coverage so the program holds when it counts.
Tech and Precision
Tech-led operations are not just an internal advantage. They are an underwriting advantage. Submissions that document GPS-guided precision, electronic detonation, seismic monitoring, and autonomous equipment land differently with carriers than submissions that read as standard heavy-construction work.
GPS-Guided Drilling
Epiroc SmartROC rigs with GPS hole navigation reduce human error and improve blast precision. Carriers reviewing the submission see operational rigor that materially affects loss potential.
Electronic Detonation
1-millisecond precision timing minimizes ground vibration, fly-rock, and airblast. Standard contractor submissions can't surface this. Specialty submissions can.
Digital Twin Modeling
Real-time site modeling with continuous field-data updates gives carriers visibility into how projects are actually executed. This is documentation most contractor submissions cannot provide.
Seismic Monitoring
Real-time vibration monitoring on urban and infrastructure-sensitive blast sites is a risk-reduction story that affects pricing and carrier appetite.
Autonomous Equipment
Remote dozing capability reduces bodily injury exposure on the most hazardous portions of a job. Carriers underwriting WC and GL pay close attention to operational controls of this kind.
Real-Time Reporting
Mobile dashboards capturing pre and post-shift safety inspections and site condition reporting create the kind of paper trail that turns into leverage in renewal negotiations.
Safety As Leverage
An EMR of 0.73 against a 1.0 industry benchmark is not just a safety statistic. It is direct underwriter-pricing leverage. Carriers price WC, GL, and Umbrella against documented loss frequency and severity. ARI's record gives the submission room to negotiate.
MSHA Pacific Northwest Miner of the Year recognition for the VP of Drilling and Blasting, ISNetworld verified clean status with no open items, and zero OSHA recordable incidents across all utility-scale solar projects all become parts of the submission narrative when the broker knows how to position them.
A DOL-registered apprenticeship program for rock drill operators is rare in this class. It tells carriers something about operator training quality that doesn't show up in raw loss runs.
The leverage is real. It only gets used if the broker builds the submission around it instead of leading with loss data.
Your Program
A multi-line P&C program for a specialty contractor with explosives, heavy equipment, owned quarries, and multi-state operations has specific coverage architecture. Each of the lines below carries a particular underwriting question and a particular set of carriers who write the class.
Your Team
Eugene-based, locally accountable. HUB International's national carrier breadth with the responsiveness of a local team.
SVP, Commercial Lines / Team Haugen Lead
Associate Advisor, Commercial Lines
Associate Advisor, Commercial Lines
Private Client Risk Advisor
Private Client Risk Advisor
Vice President, Workers' Compensation
Workers' Compensation Claims Analyst
Insurance Adjuster
Client Services Advisor
CL Sr. Account Manager
CL Account Manager II
CL Account Manager II
CL Account Manager II
Sr. Risk Management Consultant
One conversation. One specialty-focused team. Logan, Spencer, Hayden, and Team Haugen are ready to walk through what a program built around ARI's actual operations looks like.
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