The Fit
Hukill's runs plumbing, excavation, restoration, septic, and more under one roof, across two locations and around the clock. A program for an operation that broad has to be built around how the work actually happens, not pieced together one trade at a time. Team Haugen is a Pacific Northwest practice inside HUB that knows Oregon trades and service contractors by name.
We are based in the Pacific Northwest, and contractors and service companies are a core part of our book. We speak experience mod, multi-trade classification, and job-site exposure in your language.
Plumbing, excavation, restoration, and septic each carry their own risk. Most brokers piece that together awkwardly. We build it as one unified program designed for the full operation.
Contractors pollution on septic and mold work, professional liability on DEQ-certified inspections: the coverages routinely left out until a claim is denied. We put them on the table from the start.
You will know quickly whether an advisor has studied your business. We build the program around how your operation actually runs, and we present it to carriers as a full story, not a generic submission.
Many Trades, One Operation
Hukill's runs plumbing, excavation, restoration, septic, drain, well and pump, leak detection, and structural work for residential and commercial clients across the Rogue Valley and into Bend, around the clock. A program for an operation like yours, family-owned and built over generations, has to understand how those trades share crews, equipment, and job sites, and where each one carries its own exposure.
Many Trades
Plumbing to excavation to restoration under one roof. Crews and equipment move between trades and job sites, so the program has to see the whole operation, not one trade at a time.
In the Field
Crews enter homes, businesses, and job sites every day. Third-party property damage, on-site injury, and completed-operations claims follow the work wherever it goes.
Underground
Septic work, mold remediation, and digging near underground utilities create pollution exposure that standard general liability routinely leaves out.
Credentialed
Certifying systems for DEQ compliance is a professional services role. An inspection or design recommendation that goes wrong is a professional liability exposure, not a general one.
Around the Clock
A fleet and owned equipment run from Medford to Bend, with emergency response at all hours. The exposure does not keep business hours, and the program should not either.
General Liability
General liability is the core exposure across every service Hukill's runs. Plumbers, excavators, and restoration crews enter homes, businesses, and job sites every day, and the work follows them after they leave. This is the line that responds when something goes wrong on site or after the job is done. Here is what we keep in front of it.
One company, many trades, one liability program. Plumbing, drain, excavation, restoration, and remodels each create their own third-party exposure, and the program is structured to cover the full range of what your crews do.
Third-party property damage and bodily injury on the job are only part of it. Completed-operations claims arrive after the work is signed off, and the program is built to answer both.
Work in an occupied home carries a different profile than a commercial site. We align the program to both sides of your client base.
Some of your work, septic and mold among it, sits outside what a standard general liability policy covers. We flag those gaps here and close them in the program, not after a claim.
Workers' Compensation
Workers' compensation is the largest and most active line a hands-on trade operation carries. Hukill's crews work in confined spaces, around excavation equipment, on ladders, and near water and gas lines every day. The program has to be built around how your people actually work, and managed long after it binds.
A workforce spanning plumbing, excavation, and restoration does not fit one class code. Getting every trade classified accurately protects you from overpaying and from audit surprises.
Confined spaces, trenching, and heavy equipment carry real injury frequency. The program reflects the work your crews actually do, not a generic contractor template.
The program does not end when the policy binds. Active claims management and return-to-work keep your experience modifier where it belongs.
We position the program with carriers who specialize in trade and service contractors, not a generalist's short list.
Additional Coverages
Beyond the two cornerstones, a multi-trade operation depends on a full set of supporting lines. Each one here is reflected the same way, around how your operation actually runs.
Your Team
One team across every line you carry. Three Haugen advisors lead the relationship, backed by HUB's workers' compensation, claims, and risk management specialists.
SVP, Commercial Lines / Team Haugen Lead
Associate Advisor, Commercial Lines
Associate Advisor, Commercial Lines
Private Client Risk Advisor
Private Client Risk Advisor
Vice President, Workers' Compensation
Workers' Compensation Claims Analyst
Insurance Adjuster
Client Services Advisor
CL Sr. Account Manager
CL Account Manager II
CL Account Manager II
CL Account Manager II
Sr. Risk Management Consultant
Let's talk about how HUB Team Haugen would structure the program for a multi-trade service contractor, and what that could mean for Hukill's at renewal.
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