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My first experience writing construction was with my first job at an independent insurance agency. I wasn’t writing big accounts at the time, most likely due to my lack of experience and being a novice in the industry. I found, however, that I liked construction, and started making a name for myself. As my knowledge of the industry grew, so did the number of referrals. I owned my book of business at the agency, and in 1996, with 10 years of experience, my brother Pete and I started our own agency.

Today, Ciardiello Insurance Agency generates about $15 million in annual premium volume, with construction making up 70 percent of our commercial business. Most of our construction clients are based in Connecticut–midsized businesses with insurance premiums ranging from $50,000 to $300,000 annually. They include general contractors, construction managers, artisans, subcontractors–anyone that has to do with construction.

Our agency represents carriers including The Hartford, Travelers, Acadia, Liberty/Peerless, Zurich and Wausau. Depending on the account, I do prefer working with a regional company where we’re able to deal with a single underwriter directly for all aspects of the account. This significantly increases the ease of doing business and allows an agent/underwriter relationship to develop.

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