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Insurance

Derk Harmsen Construction Co., Inc. is fully insured and cover workers compensation, general liability, automobile liability and umbrella liability as well as bonding. In this reference letter our agent said: “The management expertise and attention to safety of Derk Harmsen Construction has resulted in credit modifiers in all lines of insurance.”




Bonding

A performance bond is a surety bond issued by an insurance company or a bank to guarantee satisfactory completion of a project by a contractor. Merchants Bonding Company has provided us, through Insurica, with a standard bonding limit of $1,500,000 per job and a $3,000,000 aggregate and will work with us on per contract basis if a larger bond is required. See original letter here.



Experience Modification Rates (EMR)

An EMR is a rating calculated by an insurance company and used as a gauge of possible risk. A rating lower than 1.00 indicates that the construction company has an above average claim history. See our last EMR for the last 3 years here.


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