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The Missouri Land Improvement Contractors Association (LICA) is a construction association whose members are dedicated to site improvement and soil and water conservation.  The LICA Safety Insurance Program is specially designed for LICA members to meet their unique risk management needs.  Underwritten by United Fire & Casualty, the LICA Safety Insurance Program includes professional loss control services, special pricing for LICA members, broadened coverages specific to construction risks, and offers members in the program a potential premium dividend. 

The premium dividend offers LICA Safety Insurance Program participants the potential to recoup a percentage of their premium in the form of an annual dividend payout based on the loss performance of all participating members.  While the dividend is not guaranteed, the program has paid out a dividend (ranging from 3.5% to 18%) in 11 of the last 14 years. 

JD Kutter is a member of LICA and enjoys a strong relationship with United Fire & Casualty.  We proudly recommend this program to our contractor clients and prospects when it makes sense for them.  The specialized pricing this program offers to members very often more than pays for the cost of becoming a LICA member.  If you are interested in hearing more about the LICA Safety Insurance Program, please click on the contact link below, fill out the brief contact form and a member of our team will contact you. 



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Contact Info:

J.D. KutterĀ 
100 North Broadway
Suite 900
St. Louis, MO 63102
Phone: 314-444-4949
Fax: 314-444-4900
Hours of Operation:

Mon - Fri 7:30AM to 5:00PM
Sat - Sun Closed

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