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SMC helps construction companies address many industry-specific risks, including:

  • Fluctuating costs, cash flow, and overall economic conditions
  • Irrational competition
  • Credit risks and bonding
  • Onerous contract provisions
  • Urgent document needs
  • Complex claim issues 
  • Litigious business environments
  • Volatile regulatory environments and insurance markets
  • Workplace and employee safety costs

Resources and Benefits for Clients

  • Exposure-sensitive payment plans
  • Transparent, fee-based compensation reduces cost and enhances client competitiveness
  • On-staff CPA to facilitate bond, credit, and financing issues
  • 24/7 online certificate issuance
  • OCIP, contract, and insurance provision review process led by senior technical professionals 
  • On-staff construction defect attorney for claims advocacy
  • Proactive, comprehensive claims management
  • In-house senior underwriting experience with close insurance market relationships

How We've Helped Our Clients 

  • SMC designed a risk financing program that enabled the client to achieve tax savings in excess of $500,000 annually, while also facilitating wealth transfer and asset protection without increasing risk.
  • SMC reorganized risk exposure structure to change the client’s insurance profile, resulting in savings of several million dollars.
  • SMC's professional claims advocacy for a client resulted in cost reduction associated with deductibles in excess of $100,000.

Request a Consultation


To discuss your risk management needs with a construction risk expert, please contact SMC online or call us at (925) 956-7600.

Our Location

Santa Maria & Company

1550 Parkside Drive, Suite 200
Walnut Creek, CA 94596
Main office: 925-956-7600
Toll free: 866-921-3347
Fax: 925-956-7601

Our Providers


I found the rare breed of insurance company that fights for you and stands by you. If you are looking for an insurance company that has integrity and amazing customer service, I would hands down, wholeheartedly recommend Santa Maria

Eli I., Remodeling Contractor
As a home builder in Northern California, I have endured numerous complicated issues while trying to protect my business from unforeseen liabilities, satisfying the multiple requirements of individual municipalities, and doing so at a reasonable expense. Santa Maria and Company has been instrumental in these dealings by providing quality advice, creative alternative solutions, and excellent service.

Dennis C., Home Builder
Santa Maria & Company helped guide our business through a difficult time by being proactive, informing us of potential obstacles, and avoiding surprises. Their customer focus has clearly covered the present, the future, and the 'what if' conditions that all businesses must deal with. We feel that our company is very well prepared to handle our complicated risk-related issues because of their support and guidance.

Robert M., Equipment Manufacturing Executive
The company is sincere, honest, always looking out for our best interests. They continually work to understand our business, to develop strategies to mitigate our exposure. That gives us a real competitive advantage.

Shaun M., Food Industry Risk Manager
Santa Maria & Company has helped us solve some tough insurance challenges, but they continue to identify emerging risks, such as cybercrime, and help us protect against them. Their customer service is fantastic.

Jeff B., Medical Industry CFO
This company knows the local insurance market better than the larger brokers ever could. They are true experts who take the time to explain all of our coverage options and help us make the right decisions. It's almost like having an insurance professional on staff.

Matt A., Food Industry Executive
It is a real advantage to work with risk insurance experts that have underwriting experience. Since we have been working with Santa Maria, we've grown a great deal and other companies are always trying to win our business. Santa Maria has the expertise in insurance and high tech industry risks that we need and their personal service is excellent.

Cynthia G., Technology Industry Executive