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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.”


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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