Built for Contractors Who Don’t Fit the Standard Mold
When standard carriers say “no,” we help construction businesses secure coverage quickly — even for complex operations, higher-risk work, prior loss history, or specialty trades.
The Dragonfly difference
Experienced with hard to insure risks
Relationships across Excess & Surplus markets
Fast turnaround
Deep experitse in this market
Who We Help
Dragonfly Insurance works with construction businesses that traditional insurance markets struggle to support — not because they’re bad businesses, but because their work is complex, specialized, or misunderstood by standard carriers.
You might be here because:
Your policy was non-renewed or canceled
Multiple carriers declined to quote
Your trade or scope of work falls outside “standard” underwriting guidelines
Prior claims, audits, or rapid growth changed your risk profile
You were told coverage would need to be E&S or surplus lines
If that sounds familiar, you’re in the right place.
Trades We Commonly Work With
We regularly place coverage for contractors involved in:
Roofing, exterior, and building envelope trades
Structural steel and metal erection
Concrete, foundation, and shoring work
Demolition and site work
Utility, pipeline, and underground contractors
Heavy civil and infrastructure projects
Specialized installation or fabrication work
If your trade isn’t listed, that’s okay — complexity is our focus.
The Dragonfly team is here to help you
Experienced With Complex Construction Risks
Deep experience placing hard-to-insure construction risks
Established relationships across the Excess and Surplus lines markets
Fast turnaround when timelines are tight
Clear guidance on tradeoffs, pricing, and structure
Why Specialty Contractors Choose Dragonfly
Most brokers focus on easy risks — and avoid the rest.
We do the opposite.
What you can expect:
An honest, upfront assessment of what’s possible
Access to specialty and surplus lines markets
Clear explanation of tradeoffs (price, terms, structure)
Fast movement when timelines are tight
A path to improve insurability over time, when possible
We’re not here to sell you the cheapest quote.
We’re here to help you get placed — and keep operating.
How It Works
1. Quick Intake
Tell us about your operations, recent insurance challenges, and timing.
2. Market Assessment
We determine whether standard, specialty, or E&S markets are appropriate — and explain why.
3. Placement Strategy
We approach the right carriers, structure the submission properly, and move quickly.
4. Ongoing Support
If your goal is to return to standard markets over time, we’ll help you work toward that.
A Note on Specialty and Surplus Lines Coverage
For complex construction operations, coverage is often placed through specialty or surplus lines carriers. This can mean higher premiums, different policy structures, or fewer carrier options.
What it also means is certainty, speed, and the ability to keep working.
We’ll be transparent with you at every step.