Industry Focus


With over 40 years of construction risk management experience, J.W. Terrill's full range of services can help you reduce exposures, mitigate losses, cut costs, and improve your cash flow. Whether you're a local subcontractor or an international builder, J.W. Terrill will tailor cost-effective risk management solutions for you.

Surety Bonds

J.W. Terrill's Surety Bond Department has gained a national reputation for solving difficult surety problems after competitors have failed. Our market clout, professional staff, tenacious approach, and broad range of surety bond services will help to reduce your costs, increase your work volume, and make your job easier.

Risk Management and Loss Control

Construction presents significant exposures because of the changing nature of the work environment and the interaction with multiple subcontractors. With J.W. Terrill's help, you can minimize your exposures through a focused risk management and loss control program. Our professionals will partner with you to implement cost-effective solutions that will reduce losses and improve productivity.

Even with the best safety programs, an accident can happen. When it does, J.W. Terrill's claims management experts can assist you with prompt claims resolution.

Because workers' compensation is one of your largest expenses, J.W. Terrill's technical experts will conduct a thorough analysis to ensure that your experience mod is calculated accurately. This can help position your firm to bid projects more competitively.

Commercial Insurance

Gaining the edge – that's how you make your business successful. With J.W. Terrill, we will develop a commercial insurance program to provide an edge through competitive pricing, comprehensive coverage, and improved cash flow.

Our insurance professionals will help you evaluate the most effective risk transfer mechanisms for your construction business. From contractor- controlled insurance programs to captives, we will design and implement insurance coverage that meets your unique needs.

With decades of experience in construction, J.W. Terrill's market clout and buying power will give you the competitive edge. While the markets may be volatile, our focus and ability to deliver will remain consistent.

Employee Benefit Programs

As the broker of group health coverage for the St. Louis Association of General Contractors, J.W. Terrill's expertise in providing employee benefit services is recognized throughout the construction industry.

Our team of professionals will work with you to design and implement a comprehensive employee benefit program. J.W. Terrill's complete line of in-house services range from administering your section 125 plan, to managing COBRA and HIPAA, to developing employee benefit statements, and much more.

Let J.W. Terrill manage and administer your complete employee benefit program so that you can focus on running your business.

To learn more, call 314-594-2700 or request more information.