Sewer construction, water mains, lift stations, manholes, stormwater systems. Municipal contractors, private water/wastewater contractors, utility vendors.
Class code 6306 (Sewer Construction) in Georgia in 2026 runs $7.40 to $12.00 per $100 of payroll on the voluntary market, with most clean-loss contractors landing $8.50 to $10.20 per $100. On a $1.5M payroll that's $127,500-$153,000 annual premium before ex-mod and schedule credits. Builders Mutual, ICW, Westchester, and Crum & Forster are the most active writers.
Class code 6306 (Sewer Construction) in Georgia in 2026 runs $7.40 to $12.00 per $100 of payroll on the voluntary market, with most clean-loss contractors landing $8.50 to $10.20 per $100. On a $1.5M payroll that's $127,500-$153,000 annual premium before ex-mod and schedule credits. Builders Mutual, ICW, Westchester, and Crum & Forster are the most active writers.
The single most common kill is missing OSHA 300/300A logs for the last 3 years. Other top killers: any prior trenching collapse or struck-by claim, no documented OSHA 1926 Subpart P competent-person trenching program, no written excavation permit and 811 locate procedure with ticket numbers, ex-mod above 1.20 with no documented improvement plan, and using subcontractors for trench work without current COIs.
Six controllable levers: document an OSHA Subpart P trenching program (10-15% credit), maintain 3 years of complete OSHA 300/300A logs even if zero, document your 811 locate procedure with ticket numbers, get an ex-mod calculation worksheet from NCCI and challenge errors, split office/clerical payroll into 8810, and maintain a current COI binder for every subcontractor.
The right carriers writing water & sewer in the Southeast in 2026.
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