Data center contractor workers’ comp, for the crews who build them
The big brokers insure the project. We insure the people who build it.
We place workers’ comp, general liability, and umbrella coverage for the staffing firms and subcontractors who send crews to data center sites.
Independent agency · Licensed across most of the U.S. · Workers’ comp and USL&H focus · Jasper, Alabama · 46 years in insurance
Who we work with on data center builds
Craft staffing firms
You supply electricians, pipefitters, welders, and controls techs to the job. Your workers’ comp has to match the work they do on site, in every state they go. See staffing workers’ comp for electricians and craft labor.
Electrical and mechanical subcontractors
General contractors on these jobs check your certificate and your experience mod before you’re allowed to bid. We help you meet the insurance exhibit. See electrical contractor workers’ comp.
Multi-state and traveling crews
A crew that leaves Alabama on Monday may be in Mississippi or Texas by Friday. Your policy has to be set up for that ahead of time. See multi-state workers’ comp.
Subs working inside OCIP and CCIP wrap-ups
The wrap covers your work on that site. It doesn’t cover your trucks, your shop, your other jobs, or what happens after you leave. See wrap-up help for subcontractors.
Cranes and rigging
If you lift on these jobs, our sister site covers crane and rigging insurance: craneandrigginginsurance.com. For personal and other business insurance, visit our main agency site, goharrisinsurance.com.
What the big programs don’t cover for you
Most large data center builds run on an owner- or contractor-controlled insurance program. Those programs are bought by the owner or general contractor through large national brokers, and they cover enrolled contractors for work on that one site.
That leaves a lot on your plate. Your vehicles, your off-site work, your yard or shop, your other jobs, and your liability after the wrap’s coverage ends all stay with your own policies. So do any workers who aren’t properly enrolled. That’s the part of the job we focus on.
How we work
- You send the basics. Payroll by class and state, headcount, your current expiration date, and loss runs.
- We read your contract. We go through the insurance section of your subcontract or the GC’s insurance exhibit so we know what you have to show.
- We shop the markets we work with. As an independent agency, we’re not tied to one insurance company.
- We stay with you through the year. Certificates the same business day, new states, audits, and renewal.
Why an independent agency
We’ve spent our career on workers’ comp that other agencies find hard to place, including staffing firms, industrial contractors, and USL&H. When you call, you talk to people who know what a class code is and why your mod matters. You can reach O. Rickey Harris and our staff directly at 205-221-5466.
Common questions
What is data center contractor workers’ comp?
It’s workers’ comp for the staffing firms and subcontractors whose crews work on data center sites. It’s set up for their states, class codes, and contract requirements.
Do you insure the data center project itself?
No. Owners and general contractors buy builder’s risk and wrap-up programs through large national brokers. We insure the subcontractors and staffing firms doing the work.
What states can you write?
We’re licensed across most of the U.S. and can place multi-state crews. North Dakota, Ohio, Washington, and Wyoming require coverage through their state funds.
Can you help if we’re enrolled in an OCIP?
Yes. You still need your own workers’ comp, general liability, and auto for work the wrap doesn’t cover.
What do you need for a quote?
Payroll by class code and state, headcount, your current policy expiration date, and loss runs for the last 5 years (or 3 if that’s all you have).
Do you only work in Alabama?
No. We’re based in Jasper, Alabama, and we work with contractors in many states.
Harris Insurance (Old National Insurance Inc.) · 806 Highway 78 West, Jasper, AL 35501 · 205-221-5466