In the construction industry, safety isn’t just a priority— it’s a necessity. That’s why the Associated Builders and Contractors (ABC) of Wisconsin has partnered exclusively with Sentry Insurance and a select group of independent agencies to offer a specialized insurance program designed for contractors like you.
As an ABC member, you’re eligible to apply for this exclusive coverage—and potentially earn money back for working safely.
Earn Dividends for Safe Practices
This isn’t just another insurance policy. It’s a program that rewards you for prioritizing safety. When you meet safety goals and reduce losses throughout the year, you may qualify for a dividend—a return on your annual premium. *
This dividend applies to non-workers’ compensation insurance package lines, excluding equipment breakdown and umbrella coverage. Eligible coverages include:
• Commercial general liability
• Commercial property
• Commercial automobile liability and physical damage
• Crime coverage
• Inland marine
• Employment-related practices liability
Dividends are calculated based on the combined performance of qualified members in the program. The loss and allocated loss adjustment expense (ALAE) ratio is assessed on a calendar-year basis.
Since the program’s launch in 2017, ABC members have received more than $1.2 million in safety dividends. And we’ve paid out every year for the past seven years— a testament to the strength of this partnership and the commitment of ABC contractors to safe practices.
What Makes This Program Unique
This is the only insurance program of its kind offered by Sentry in the United States. It’s built specifically for the contracting industry— one of our top sectors— and it’s designed to grow alongside your business.
Here’s what sets it apart:
• Exclusive access: Only ABC members who are Sentry insured and participate in the STEP safety program while meeting minimum qualifications are eligible. Members have access to Sentry through their independent agents to access our property and casualty insurance.
• Tailored coverage: We design construction-specific insurance solutions that fit your business, whether you’re an independent contractor or run a large construction company.
• Customizable plans: including Auto Liability, General Liability, and Workers’ Compensation deductible options, we offer flexible coverage for companies with premiums starting at $50,000. With deductibles ranging from $5,000 to $100,000 and aggregate options available, clients can benefit from lower upfront premiums, improved cash flow, and price stability, while agents gain access to unique offerings not available through other carriers.
• Local expertise: Rooted in Wisconsin, our local underwriters bring deep knowledge of the state’s construction environment. Our safety consultants are assigned to and located in each region, and understand the nuances of OSHA, DOT, and state regulations.
• Dedicated agents: We work with just 14 hand-selected independent agencies across Wisconsin—all ABC members with deep construction industry knowledge.
• Flexible payment options: Including pay-as-you-go workers’ compensation for better cash flow and predictable audits.
Support When You Need It Most
We know that even with the best safety practices, claims can happen. That’s why our in-house claims team is ready to respond quickly and fairly—so you can get back to focusing on your business.
• Customers can report claims anytime, 24/7 via phone or on our online customer portal.
• Our shared customers can track and monitor claims online in real time.
• Our knowledgeable staff works to resolve issues efficiently and transparently.
Safety Services That Go Beyond Coverage
Insurance is just one part of risk management. Our Safety Services team works directly with shared clients to identify potential hazards, develop safety plans, and implement risk mitigation strategies tailored to your operations.
• Localized consultants who understand regional specific safety concerns.
• We will help you stay current on OSHA, DOT, and insurance regulations as well as help reduce exposure to loss.
• Our services are designed to support long-term success—not just compliance.
Let’s Build Something Together
We’re proud to be the endorsed insurance carrier for ABC of Wisconsin. We believe in the value of this partnership and the strength of the construction community it supports.
Questions? For answers and more information, talk with an independent agent representing Sentry or a representative from ABC of Wisconsin about this special program. We look forward to having a conversation with you soon.
*Dividend payments may be subject to regulatory approval. The Sentry Board of Directors may not declare dividends each year. All insureds who are members of the association may not receive a dividend payment.
Property and casualty coverages are underwritten, and safety services are provided, by a member of the Sentry Insurance Group, Stevens Point, WI. For a complete listing of companies, visit sentry.com. Policies, coverages, benefits, and discounts are not available in all states. See policy for complete coverage details.
