Benefits That Work as Hard as Your Crews Do.
Highest-cost industry for group benefits. Seasonal workers. Injury-driven renewals. Construction needs a broker who understands jobsite reality — not an office broker forcing a template.
- Hour banking and hourly-based eligibility for seasonal workforces
- Injury and disability management built for high-risk trades
- Multi-employer and union-compatible plan structures
- Measurable cost reductions through proactive renewal management
Years of Independence
37
$4,200–$5,500
Per employee per year
Aon, 2024
#1
Highest-cost industry for benefits
Industry benchmark
37 years
Independent brokerage experience
Baicorp Financial
Why Construction Employers Choose Baicorp
Hour Banking & Seasonal Eligibility
Benefits eligibility based on hours worked, with hour banking for seasonal and variable workforces. Workers bank hours during peak season to maintain coverage through winter shutdowns.
Injury & Disability Management
Construction has the highest STD and LTD claim rates. We design early intervention protocols, return-to-work programmes, and specialty coverage that reduce claim duration and costs.
Renewal Negotiation from Strength
Injury-driven renewals can spike 20-30%. We underwrite your plan independently, challenge carrier assumptions, and shop the market to contain increases.
Multi-Employer Plan Structures
Joint ventures, sub-trades, and union locals need airtight data segregation and custom billing. Our TPA platform handles the complexity so your HR team doesn't have to.
Let's Audit Your Construction Benefits
We'll benchmark your plan against construction industry averages, analyse your injury claims profile, and design a strategy that reduces costs while keeping your crews covered.
Baicorp clients achieve measurable cost reductions through independent carrier negotiation and proactive plan management — year after year.
Free Benefits Audit
We'll benchmark your plan against construction industry averages and identify savings.
Ready to Optimize Your Construction Benefits?
37 years of independent, Canadian-owned expertise. Join hundreds of employers who trust Baicorp to manage their group benefits.
Get Your Free Benefits Audit