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Our Risk Management Philosophy

To engage in the construction trade is, by definition, to manage risk.  We get this.  And so do our clients.  Anyone can deliver an insurance quote, but we align ourselves with contractors who are seeking a higher level of consultant - an expert that understands the daily complexities contractors face and can shepherd them through the widening minefield of risks they may encounter.

Our job is to understand our clients' needs and create a program for them that provides the best combination of service, coverage and price.  Period.  We understand that our clients are our lifeblood.  Without them, we do not exist. 

As such, when developing a program for our clients, we look at their business from a 360-degree perspective.  What does the client look like as it pertains to:

  • Tolerance for Risk
  • One, three and five-year business plans
  • Organizational Structure
  • Perpetuation Model
  • Fleet Management
  • Safety Protocol
  • Company Culture

Click on the links below to see other ways we add value to our clients:

Commercial Insurance

Surety Bonds

Claims Services

The Risk Management Process

Contact Info:

J.D. Kutter Insurance Associates
800 Market, 18th Floor
St. Louis, MO 63101
Phone: 314-657-2959
Fax: 314-657-2970
Hours of Operation:

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

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