C. L. Frates and Company is one of the foremost insurance brokers in the industry. Our construction division has business relationships with some of the most successful contractors in the business. Our goal is to help our customers be competitive by providing the most competitive pricing commensurate with our strong service and security.

Contractors enjoy an unparalleled level of service that helps separate them from their peers. In recent years C. L. Frates and Company has executed contract bonds to the Oklahoma Department of Transportation and negotiated bond lines for our customers at levels well into several hundred million dollars. Many have been negotiated for new customers looking to have their capacity increased over previous levels to stay competitive in today’s market and we have been successful in providing the necessary surety limits on their behalf.

Protecting the Industry that is Building the Future

Custom Written Programs

Our insurance programs can be tailored to meet any need, big or small, aggressively, on a loss sensitive basis or on a guaranteed cost basis with first dollar of loss coverage. We have expertise in areas like captives, retrospectively rated programs and large deductible programs as well as small deductible and first dollar coverage. Whatever fits your needs we will build a program that will minimize your cost and maximize your coverage.

Experience Makes a Difference

We have the experience to understand coverage specifics needed for particular exposures that contractors have and will address those when building your insurance program. There will be no surprises with us, you will know what coverage exists within your program and we will make sure that no questions go unanswered.

Our goal is to protect your assets while minimizing your expenses. We understand that the first dollar paid for premium is the first dollar of loss expense for your company. We want to partner with you and help bring your company to the next level. We enjoy success in our business, and would like the opportunity to bring your company to higher levels of success within your industry.

Testimonials:

Tim Duit, President of TTK Construction Company

“C L Frates and Company and Frank Smith provide us with great service and take care of our company’s needs with a willingness to go above and beyond the normal call of duty. C L Frates and Company is truly a first class organization with outstanding leadership, attention to detail, and excellent service. They do exactly what they say and do it within the needed time frame.”

Catherine J. Willis, Controller of Traffic & Lighting Systems, LLC

“C L Frates and Company is the Gold standard. Whether it’s bonding, Employee Benefits, Commercial Insurance or Personal Lines, they have the answers and never fail to meet our needs. This is the most comprehensive and professional team I have ever worked with.”

Kirby Clements, M.Ed., CHCM, Health, Safety and Risk Manager, Duit Construction Company

“C L Frates and Company has helped Duit Construction Company preserve the health and safety of our employees and most importantly the general public by their involvement with recommendations and support. They are a great Partner.”