Beyond Insuring Construction. Ensuring Safety.

Agent meeting worker at the construction site

In the construction industry, whether you are an owner, contractor, or subcontractor, your successes or failures relate directly to your risk reduction strategies. Strategies to prevent, mitigate, transfer and assume risk are as important as proper placement of insurance coverage. Effective risk management can be the difference between a profitable year and substantial uninsured out of pocket costs.

FB Risk Advisors understand the challenges that contractors face on the job, in Massachusetts, New England, and nationwide.

Our team of experts rolls up their sleeves to work with you and your team. We collaborate to develop unique risk reduction strategies and an insurance program tailored to your specific needs. With the right combination of products, service, and value all local to you, there really is no other choice.

Our Risk Reduction Approach


Our team approach to your custom Risk Reduction Workshop ensures a comprehensive understanding of risk in your organization. We work with your leadership to identify risk control opportunities in more than a dozen areas of your business. This process is the first step in allowing us to make you more attractive to the insurance marketplace.


The result of our intensive Risk Reduction Process is a Risk Reduction Plan tailored to your specific organizational needs. This collection of proactive strategies becomes the basis of our ongoing relationship.


A goal without a plan is just a wish. Our team works with you to develop an implementation plan. We outline solutions, identify key players in your organization and ours, and schedule the timing of service delivery.

Critical Coverages for Your Industry

The baseline for commercial insurance programs, a General Liability policy is issued to business organizations to protect them against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations; and also offers protection for advertising and personal injury liability that businesses are exposed to in the normal course of their daily operations.

Our in-house bonding team has the experience and expertise in surety bonding to serve a wide variety of industries. They will construct a bonding program that will meet the specific business requirements of your organization providing surety bonds that include contract, license & permit, and fidelity bonds to name a few.

Surety Bonds are a three-party contract under which the insurer agrees to pay losses caused by criminal acts such as fidelity bonds or the failure to perform a specific act such as performance and/or payment bonds. The principal or the obligor (the party with the obligation to perform) agrees if there is a default, the surety (or the insurer), pays the loss of the third party or the obligee. The obligor must then reimburse the surety for the amount of loss paid.

A Builders Risk is a property insurance policy that is designed to cover property in the course of construction. There is no single standard builders risk form, most builders risk policies are written on an inland marine form. Builders Risk coverage is almost always written on an “all risks” basis and typically applies not only to property at the construction site, but also to property at an off-site storage location as well as property that is in transit. Builders risk insurance can be written on either a completed value or a reporting form basis, in either case, the estimated completed value of the project is used as the limit of insurance.

Inland Marine coverage is property insurance for property in transit over land, certain types of moveable property, instrumentalities of transportation (such as bridges, roads, and piers), instrumentalities of communication (such as television and radio towers), and legal liability exposures of bailees. Many Inland Marine coverage forms provide coverage without regard to the location of the covered property, these are sometimes called "floater" policies. As a group, inland marine coverage forms are generally broader than property coverage forms. There are various types of Inland Marine coverage such as Builders Risk, Motor Cargo, Equipment Floaters, Fine Arts, Installation Floater, Jewelers Block, Transit Coverage, Ocean Marine coverage, etc.

Workers' Compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of their employment. While plans differ among states, provisions can be made for weekly payments in place of wages (functioning in this case as a form of disability insurance), compensation for economic loss (past and future), reimbursement or payment of medical and like expenses (functioning in this case as a form of health insurance), and benefits payable to the dependents of workers killed during employment (functioning in this case as a form of life insurance).

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Just answer a few simple questions and a Risk Advisors will contact you within 1-2 business days. Want faster results? Call us!

Services That Supports Your Business

Twelve convenient locations throughout Southeastern MA, meaning you are never too far to stop in.

Our highly trained risk experts use a specialized process to assess and tailor a suite of strategies to control risk in your organization and make you more attractive to the insurance marketplace.

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Our exclusive program designed to reduce our client's workers’ compensation spending with proactive strategy & claims management.

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Leverage our Agency size, experience, and key relationships with top insurance companies without sacrificing the value of trusted local guidance, sense of community, and a good old fashioned handshake.

Insurance helpRound the clock access to report a loss or, issue certificates of insurance, or review your policies.

Our surety team brings years of experience, accounting, banking, and finance backgrounds, and a deep understanding of your industry to provide you with construction bid and performance and payment bonds to a variety of surety, fidelity, and probate bonds.

Not a fan of waiting in line at the registry? Please join us in our Taunton or Rehoboth locations to facilitate a variety of registry transactions without the hassle of the registry.

Insurance-ResourceOur premier client portal provides a vast library of resources on risk management, loss control, Human Resources, compliance, and much more. Don’t face the challenges of running a business today without the support of our team of attorneys and HR professionals to lend you guidance.

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Do you need tailored human resource assistance? Receive personal assistance from HR and legal professionals by phone or email.

Insurance Agent DesignationRecognition by the Massachusetts Association of Insurance Agents, of our Agency’s achievement, being one of the best at providing superior knowledge, service and value.

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