Operations

BC&E is a South Florida heavy-civil contractor performing street and road work, drainage, site preparation, paving, underground utilities, traffic-related construction and project management. Public procurement records indicate both prime-contractor and subcontractor roles, including excavation, bridge-related work and heavy-equipment operations. The submission reports $35,000,000 revenue, $14,000,000 subcontract cost, 48 employees and 26 power units.

Risk narrative

Decline under current Dellwood guidance because class 91589 is explicitly prohibited for both premises/operations and products/completed operations. Independently, this is an elevated heavy-civil risk with roadway work zones, excavation, underground utilities, bridge-related work, heavy equipment, 26 submitted power units and substantial subcontractor dependency. Five years of validated experience is stable and modest at three closed claims and $30,579 incurred, but conflicting auto-loss extracts prevent reliance on that result for the excess tower. FMCSA’s verified out-of-service inspection pattern is a material fleet-severity concern. The requested excess limit, attachment and underlying GL, auto and employers-liability limits are absent, while classification and $14,000,000 total-cost exposure remain provisional. No verified premises incident was established.

Hazards severity and frequency graded separately — they drive different decisions

Overall grade 4/5. Elevated heavy-civil operations involve public roadways, excavation, underground utilities, heavy trucks, bridge-related work and substantial subcontractor cost. The exposure has meaningful low-frequency, high-severity potential across GL, completed operations and the excess tower.

Catastrophe exposure

The headquarters is in Miami, Florida, implying potential hurricane, wind and flood disruption, while emergency work and multiple simultaneous South Florida jobs could create post-event aggregation. Project locations, accumulations and catastrophe-response obligations were not supplied, so the extent cannot be quantified.

Loss analysis Stable5 yr(s) supplied

Five years of validated experience reviewed; trend is stable with three closed claims totaling $30,579, subject to reconciliation of conflicting auto information.

• High Auto claim counts and incurred amounts conflict across the email, supplied carrier runs and omitted extraction summaries.
• Moderate No expiring premium was supplied, so incurred losses cannot be evaluated against premium.
• Moderate Several short policy periods and carrier changes require confirmation that the five-year history is continuous and complete by line.
• Low The $25,007 GL loss accounts for most validated GL incurred, although it is closed and modest relative to the requested occurrence limit.

Appetite view Decline

My underwriting view aligns with the applicable Dellwood rule. The risk has credible experience and modest validated losses, but class 91589 carries explicit P authority for both premises/operations and products/completed operations. The prohibition is independently dispositive and cannot be overcome by favourable factors. The undefined excess tower, FMCSA inspection results and classification uncertainty reinforce rather than cause the decline.

The guideline rule returned ReferToUw (DEFAULT-REFER). The rule is authoritative; this difference is shown so it can be considered, not overridden.

In favour

• Active Florida LLC with approximately 12 years in operation.
• Active certified general-contractor relationship verified.
• Five expected loss periods were supplied and the computed trend is stable.
• Validated losses are modest at three closed claims and $30,579 incurred, with no open reserves.
• Meaningful account size with $35,000,000 revenue and established public-project experience.

Concerns

• Dellwood class 91589 authority is P for premises/operations.
• Dellwood class 91589 authority is P for products/completed operations.
• Evidenced bridge, utility, paving, pile-driving and potentially self-performed work may require additional or different classes.
• Adequate subcontractor insurance, required for application of class 91589, was not established.

Business opportunity Win likelihood Low

The account is sizeable and the broker is seeking a near-term October 1 renewal quote, but no expiring premium or complete excess structure was provided, material data conflicts remain, and the submitted class is prohibited under current guidance.

Why it is in the market. This appears to be a normal October 1 renewal marketing effort for excess liability. The file does not establish nonrenewal or adverse shopping, although the broad carrier history and absence of expiring premium reduce visibility into the marketing strategy.

The account has meaningful premium potential and multiple casualty-line opportunities, but current class prohibition and incomplete tower information make further desk investment low value unless appetite is available under a different approved classification or facility.

Account rounding leads

• Workers Compensation. The operation has 48 employees and $3,200,000 to $3,500,000 reported payroll with excavation, lifting and heavy-civil injury exposure.
• Commercial Auto. The submission reports 26 power units, including heavy and extra-heavy trucks, with fleet-safety issues requiring specialist review.
• Contractors Equipment/Inland Marine. Road, drainage, excavation and paving operations imply mobile construction equipment and tools moving among jobsites.
• Professional Liability. Engineering and project-management services may create design or construction-management errors-and-omissions exposure outside GL.
• Cyber. A contractor of this size likely maintains employee, vendor, project and payment data, although specific systems and controls were not supplied.