Contractor & Business Insurance · Hamlin, PA
The GC wants your cert of insurance today. Your agent says next week.
That is what you get from an 800 number, or from an agent who has never read a construction contract. John Giguere has spent 35 years in commercial insurance. He is a Construction Risk Insurance Specialist who reads the insurance requirements in your contract before you sign, so the coverage is right and the paperwork is ready when the job is.
An independent agency. Many carriers, one office, real people who answer.
Sound familiar?
Insurance should not be the thing that stalls the job
Here is what most contractors never get told: the contract you sign pushes the insurance risk onto you. It spells out exactly what coverage you must carry and what the cert must say. Most agents never read it. So the job stalls on paperwork, or the audit bill lands months later, and you find out the hard way what your policy did not cover.
"The job starts Monday. The GC wants the cert now, and my agent's office is closed."
"The workers comp audit came back and I owe money nobody warned me about."
"The contract has three pages of insurance requirements. I signed it and hoped for the best."
"I call my insurance company and get a different person every time. None of them know what builder's risk even is."
It does not have to work that way. When your agent actually knows construction, the paperwork stops running your schedule.
Coverage
Built for contractors. Ready for every business.
As an independent agency we shop multiple carriers and match the coverage to your work, not the other way around. One office handles it start to finish.
Contractors & Construction
The core of the agency. Coverage built around the way construction work actually gets contracted, bid, and audited.
- General liability and job-site coverage
- Builder's risk for projects under way
- Commercial auto, tools and equipment
- Bonds when the bid requires them
Workers Compensation
Workers comp is where surprise bills come from. We set the classifications right up front and stand with you when the audit comes.
- Coverage matched to your real payroll
- Class codes reviewed, not guessed
- Help through the annual audit
- Certificates for every GC that asks
Business Insurance
Full commercial coverage for the businesses that keep NEPA running: shops, restaurants, trucking, farms, offices and more.
- Business owners policies and property
- Commercial umbrella and cyber liability
- Professional liability and EPLI
- Truck and trucking, farm and agribusiness
Home & Auto
Personal lines, handled by the same office. Eileen Kearney manages personal insurance so your home and vehicles get the same care as your business.
- Homeowners, renters and condo
- Auto, motorcycle, boat and RV
- Flood and landlord coverage
- Life insurance and personal umbrella
The Job-Ready Review
An agency run by a Construction Risk Insurance Specialist
CRIS is a national designation for insurance professionals who specialize in construction risk: the contracts, the job-site exposures, the wrap-ups, the audits. John Giguere holds it, along with CPIA and BIA designations and OSHA certification. You will not find that mix behind an 800 number.
We read the contract first
Before you sign, John goes through the insurance requirements in the GC's contract line by line. You know exactly what coverage the job demands, and what it will take, before you commit.
Coverage matched, carriers shopped
As an independent agency we are not stuck with one company's products. We shop multiple carriers and put together the coverage the contract calls for, piece by piece.
Certs and audits, handled
When the GC wants a certificate of insurance, the office gets it out. When the workers comp audit comes, you are not facing it alone. The paperwork keeps pace with the work.
Meet John
35 years of commercial insurance, one desk in Hamlin
John C. Giguere founded Capital Insurance Works and has spent his career in commercial insurance. He holds the CRIS designation for construction risk, CPIA and BIA designations for professional agency practice, and OSHA certification. He knows the job site as well as the policy.
The agency is independent. That means it works for you, not for one insurance company. When your work changes, your coverage can change with it, because the office can shop multiple carriers instead of forcing your business into one company's box.
And it is local. When you call 570-689-0900, a person in Hamlin answers. The same small team handles your account year after year.
The team behind the desk
John C. Giguere
Principal
Eileen Kearney
Personal Lines Manager
Susan Giguere
Agent
Ashley Caccavale
Commercial Agent
Connie Jones
Agent
Mariya Kearney
Agent
How it works
Three steps. No runaround.
Talk to John
Call the office or send a note through the form. Tell us about the work you do and the job in front of you. No obligation, no pressure.
We read, then we shop
Bring the contract if you have one. John reads its insurance requirements, then the office shops multiple carriers to put the right coverage together.
You are job-ready
Coverage bound, certificates out the door when the GC asks, and the same office on the phone at audit time. Year after year.
Questions
Frequently asked
Got a contract on your desk? Bring it.
One conversation, no obligation. John will read the insurance requirements with you and tell you plainly what the job demands.
Get in touch
Talk to John
Send a note and the office will get back to you. Job starting soon or a cert on deadline? Call. A person in Hamlin picks up.
Fax: 570-689-0909
501 Hamlin Highway
Hamlin, PA 18427
Mail: PO Box 310, Hamlin, PA 18427
Weekdays at the Hamlin office. Call any time.