MetRisk Services — Commercial Insurance & Risk Management
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Industries · Construction

Built for the trades the market prices hardest.

A fall on one of your job sites — and in the hardest jurisdictions in the country, liability for gravity-related injuries attaches to owners and contractors regardless of negligence. The suit routes back to you through the indemnity you signed.

Book a 15-minute call What we'd look at first

Flat-fee advisory. We don't sell the policies.

Our fee is the same whatever your premium does, and every broker commission on your program is disclosed to you in writing.

The terrain

What makes construction risk different.

Statutory liability and action-over claims

New York's Labor Law 240/241 makes fall claims a matter of statute, not fault — and an injured worker who collects comp can still sue the parties above you, who tender straight back through your subcontract's indemnity.

The insurance covenants you've already signed

Master subcontract exhibits demand limits, excess layers, and endorsements — primary and non-contributory, additional insured, waiver of subrogation. A gap between the exhibit and your policies is a breach that surfaces mid-claim, when it's most expensive.

The experience mod as a bid-list gatekeeper

GC prequalification pulls your mod independently. A rising mod doesn't just raise premium — it quietly removes you from the work you bid on.

Hot work, height, and the fleet

Torches in occupied buildings, crews on lifts, and vans in dense metro traffic — the three loss mechanisms that produce severity, and the three an underwriter prices hardest.

The system, applied

Which instruments carry the weight here.

In their words

What that looked like on a real account.

“We were facing a catastrophic claim after torrential rain flooded the entire 14-story 'A-line' of a building where we were repairing the parapet. Despite the extreme weather, management held us responsible because we were active on the roof. We immediately called MetRisk, and they activated their '911 Claim Protocol.' Within hours, they had an independent engineer on-site performing a forensic diagnostic. Their investigation proved that the building's infrastructure was at fault, completely exonerating our team. MetRisk is the partner you want in your corner when the stakes are highest.”
Martin Dooley — HDK Construction
“We're heavily involved in WRAP and CCIP programs, so maintaining a clean Experience Modification Rate (EMR) is critical to our bidding capacity. When our EMR unexpectedly spiked despite a clean claims history, MetRisk identified the anomaly immediately through their proactive weekly monitoring. They discovered that a WRAP Administrator on a specific CCIP project had incorrectly reported a significant claim against our ID number, coordinated the correction, and restored our rating before it impacted our business. Their expertise in year-round risk management is a game-changer.”
Kevin O'Sullivan — Alubuild USA

See what your construction program actually costs you.

Your program, your loss record, and where the money is. Fifteen minutes, no deck, no obligation — you keep the findings.

Michael Stoop
Book a 15-minute call

Fifteen minutes with Michael Stoop, our founder. Nothing to prepare — bring the question you can't get a straight answer to.

Pick a time Get a free policy review

Or call us now — 347.252.6150

Not ready for a conversation?

Wrong time of year?

Tell us the date your program renews and we'll follow up with you 120 days before it — the point where there is still time to run a real process.

Take the blind-spot check

Ten questions about your own program, answered from memory in ninety seconds. Nothing uploads.

Get one policy reviewed, free

Send the policy you are least sure about. We read it against how you operate and send back the three findings with the most at stake, each tied to its page.

Run your own loss pick

Premium and losses in, your ratio against the 50% line out — one year is enough. Nothing is submitted to anyone.

Walk a full engagement

A sample account, start to finish — the blueprint, the gaps, the scored quotes, the decision. Judge the work before the pitch.

  • Flat annual fee — never a percentage of your premium
  • Broker commission disclosed on every quote, in writing
  • No contingency payments, overrides, or profit-sharing