Business Insurance
Comprehensive coverage built for the needs of your operation rather than a standardized checklist.
Commercial Insurance & Risk Strategies
Construction | Manufacturing
Coverage that pulls its weight
Insurance & Risk
Strategies for
Contractors &
Manufacturers
OxEra combines trade-savvy advisors with field-tested safety and risk management tools so you can understand, demonstrate, and improve your risk strategies year after year. Better risk earns better pricing.
Carriers We Represent
Industries We Serve
40+ years of combined experience in construction and manufacturing.
01
Structural · Civil · Specialty Trades
Construction
Challenges on a jobsite change on a daily basis. We build programs that are specific to your business but flexible enough to protect you from the unexpected.
Learn More
02
Fabrication · Production · Distribution
Manufacturing
From fabrication floors to final delivery, we protect the system that keeps production moving from top to bottom.
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What we cover
Protection at
Every Layer
Thoughtful protection from day-to-day operations to the people your business depends on.
Specialists by Design
Insurance programs and risk strategies built by tradesmen, for tradesmen.
Narrow by choice
2
Industries served
We’ve been there
100%
Advisors worked in construction or manufacturing before insurance
Market access
30+
Carrier relationships
Our methodology
Field-tested safety and risk management tools mapped directly to OSHA’s Recommended Practices for Safety and Health Programs.
Our 7-Step Risk Management Process
01
Management Leadership
Top management makes safety a stated core value, invests in program development, aligns incentives, and leads by example.
02
Worker Participation
Employees are actively involved in designing, implementing, and monitoring the safety program. Barriers to transparency and accurate reporting are removed.
03
Hazard ID & Assessment
Proactively identify, analyze, and document hazards using tools like job hazard analysis. Changes to personnel, equipment, materials, processes or facilities are actively monitored and addressed.
04
Prevention & Control
Decide and implement the best method for eliminating, controlling, or preventing identified hazards. Use root cause and corrective action to eliminate or reduce hazards at the source.
05
Education & Training
Role-specific training, so every worker can identify the hazards of their specific job and consistently execute controls, instead of just acknowledging written procedures.
06
Evaluation & Improvement
Regularly audit and evaluate system effectiveness to identify gaps and drive improvement. Measure what matters, so you can spot and act on trends before they become incidents.
07
Communicate & Coordinate
Communicate safety expectations and site-specific hazards with all parties prior to commencing work — everyone on site under the same program.
The Quarry.
Join our group for free access to safety professionals
Live webinars, in-person roundtables, and social events with former OSHA staff and safety leaders from $100M+ construction and manufacturing companies.
Why OxEra
Insurance by Design, Never by Default
You work with a dedicated advisor who knows your industry, your company, and your goals. Whenever you have a need or a question, someone who understands the ins and outs of your operation is just a phone call away.
Same submission, same result. Let’s change how underwriters see your business.
From the Field
Industry Insights
Surety & Bonding
Understanding Surety Bonds in Construction Projects
Surety bonds are often misunderstood — and that confusion can cost contractors real money. Here’s what every construction firm needs to know before bidding on public or large private contracts.
3 min read
Jul 14, 2026
Risk Management
5 Risk Management Strategies Every Manufacturer Should Know
Manufacturing operations face a layered set of risks — equipment breakdown, supply chain disruption, product liability, and more. A proactive risk management program addresses all of them systematically.
3 min read
Jun 28, 2026
Business Insurance
The Hidden Costs of Underinsured Commercial Property
Many business owners don’t realize their property is underinsured until they file a claim. By then, the financial gap can be devastating. Here’s how underinsurance happens — and how to prevent it.
2 min read
Jun 10, 2026
Our footprint
Areas we serve.
We’re focused on industries, not zip codes. Our offices are in Kansas City and Denver, but we work with contractors and manufacturers wherever their business takes them. Don’t see your city listed? Let’s talk.
Denver, CO
Kansas City, MO
Colorado Springs, CO
Aurora, CO
Wichita, KS
St. Louis, MO
Overland Park, KS
Fort Collins, CO
Springfield, MO
Kansas City, KS
Lakewood, CO
Olathe, KS
Thornton, CO
Columbia, MO
Topeka, KS
Arvada, CO
Independence, MO
Westminster, CO
Greeley, CO
Pueblo, CO
Centennial, CO
Lee’s Summit, MO
Boulder, CO
Longmont, CO
Common questions
Frequently asked questions.
Not answered here? Ask us directly.
01
What makes OxEra different from a traditional broker?
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02
What industries do you cover?
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03
Do you work with businesses of all sizes?
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04
When should we start working on my renewal?
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05
Can you work with our current carriers?
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