Building the future comes with risks — your protection shouldn’t be one of them.

1 in 5 workplace fatalities occurs in the construction industry.

Nearly 30% of construction workers will experience a disabling injury before retirement.

More than 40% of accidents happen off the jobsite, where employer coverage typically does not apply.

35% of construction professionals lack adequate long-term disability or life insurance protection.

Let's Chat

Construction is consistently ranked among the most hazardous industries. While union and non union benefits may provide some benefits, these plans are often limited, exclude off-site injuries, or cap benefits well below actual income. Many construction workers — from field to supervisors are denied full coverage by traditional carriers because of their occupational risk classification.

Industry Outlook

Why is Coverage Important?

Your skills and physical ability are your livelihood. An injury, accident, or illness can put years of hard work and financial stability at risk. Without proper coverage, your income, family security, and long-term goals may be jeopardized.

Coverage designed for union and non-union construction professionals, from apprentices to supervisors.

High-limit income protection to safeguard paychecks even if an injury takes you off the job.

From the ironworker to commercial diver, we provide protection for the most demanding and high-risk construction roles.

Supplemental life and accident coverage that fills the gaps left by employer or union benefits.

Access to carriers who specialize in high-risk industries and understand the realities of construction.

An AI-powered process that reduces underwriting delays and simplifies getting protected.

How WAIN Helps

High-Limit Income Protection:

  • Short Term Disability: Temporary income replacement, typically for 3 to 6 months. Covers expenses during a medical leave.

  • Long Term Disability: Extended benefits set to begin after short-term disability ends for claims lasting longer than six months, providing income replacement for 2, 5, or 10 years or up to age 65–67, depending on the policy.

Life Insurance:

  • 10-30 Year Term Life: Flexible protection for families and financial planning with affordable premiums

  • Guaranteed Universal Life (Permanent): Locks in permanent coverage and a guaranteed death benefit so you don’t have to reapply later.

  • Accidental Death & Dismemberment (AD&D): Provides additional benefit if death or a qualifying injury results from a covered accident, an added layer of protection for those working in higher-risk environments.

Products Offered

“As a former diver, I experienced firsthand how difficult it was to secure coverage while working in a high-risk profession. After facing the challenges of finding protection, I founded WAIN to make sure no one in similar environments or demanding careers is left without the safety net they deserve.”

-Darwin Pichardo, Broker/Founder