Brendan Alan Barrett

🚧 CONTRACTORS: Wondering why your auto premiums keep climbing… even if you’ve had ZERO claims? Here’s the ugly truth 👇

Distracted driving.
It’s claiming lives (3,275 in 2024 alone).
It’s driving up accidents.
And it’s costing construction companies millions in higher premiums.

📱 5 seconds texting = a football field blind at 55 mph.
💰 More accidents = higher rates for EVERYONE.

Want lower premiums?
👉 Show carriers you take distracted driving seriously.
👉 Build a safety story that proves it.
👉 Maybe even qualify for a captive.

Safe driving doesn’t just save lives.
It saves your bottom line.

The worst offender? Texting. Five seconds with your eyes off the road = driving the length of a football field blind at 55 mph.

And “distracted driving” isn’t just texting… it’s:
📱 Checking a phone
🍔 Eating breakfast behind the wheel
🎵 Fiddling with the radio
💬 Talking with passengers

Now here’s where this hits your business:
👉 Even if you’ve had no claims, carriers spread that risk across the whole industry. That means your rates are going up because too many crews out there aren’t paying attention behind the wheel.

But here’s the good news: you can flip the script.
If you can show carriers how you’re fighting distracted driving and building a culture of defensive driving, you move the needle.

The result?
💡 Lower increases than competitors
💡 A stronger safety story
💡 Maybe even access to an insurance captive (where contractors save BIG by proving they run safer fleets).

So, let me ask you:
👉 How confident are you in the safety story your company is telling carriers right now?

If you’re not sure—or curious if a captive is the right fit—let’s talk. Shoot me a DM or call me at 480-691-3670.

Because at the end of the day, safe driving doesn’t just save lives.
It saves money.
​

RESTORATION CONTRACTOR: All insurance brokers are the same!
ME: Just like all pizza is the same, right?! 🍕 The truth is...

The person in front of you might be great—but what really makes or breaks your experience is the brokerage behind them.

A broker’s real value comes from:
⚙️ The tools they can actually deploy
🧠 The strategies they’re trained in
🎯 And the types of clients their firm is built to serve

So before you shake hands and sign on the dotted line, ask yourself:
Is this firm designed to solve my problems—or just sell me policies?

A few signs you might not be your broker’s ideal client:

🚩 You only hear from them once a year (Hi! Happy Renewal!)

🚩 Your program feels more “auto-pilot” than optimized

🚩 You’re treated like a small fish (even though you're kind of a shark)

🚩 No one's talking about innovation or savings

🚩 They're nowhere to be seen at the events you care about

If you’re feeling a mismatch, I’d be happy to show you what an construction aligned partnership could look like—and how insurance can actually be a competitive advantage for your construction company, not just a line item.

- Brendan

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P.S. When you're ready, here are 3 ways I can help (without the jargon):

🧾 Policy Report Card
Wondering if you’ve got coverage gaps or if your pricing is as competitive as it should be? I’ll take a look, no strings.

📄 Risk Transfer Audit
Hire subcontractors or vendors? If your agreements haven’t been reviewed by an insurance pro recently, we should talk.

📉 Claims Review
Had claims that spiked your premiums? Let’s dig in—because sometimes it’s not what happened, it’s how it was handled.

DMs are open, or just shoot me a text. I promise it won’t be boring.

– Brendan

💰 Imagine writing a $300,000 insurance check.....and getting nearly $195,000 of it back. Sounds impossible?
For many contractors, it's simply a conversation they've never had.

Insurance isn't always just an expense.

With the right program, outstanding claims performance can generate dividend opportunities that reward companies for outperforming their peers.

If you've built a culture around:

👷 Safety
🚛 Driver accountability
📋 Claims management

Why shouldn't your insurance program reward that?

The safest contractors shouldn't just spend less.

They should have the opportunity to earn more.

Comment DIVIDENDS or send me a message if you'd like to learn more.