Why Champion Construction Risk
22 years of California construction risk. Written by people who understand the job site.
Champion was founded in San Diego in 2004. We've spent every year since building coverage strategies for California businesses that other brokers underwrite from a rate sheet.
California Original
Local Roots. National Reach.
We're 30+ professionals writing commercial insurance, employee benefits, and personal coverage for California businesses and families — with the carrier relationships and national reach to compete with any broker in the state.
We built the firm on one principle: your broker should show up when it matters, not just at renewal. That principle still runs the business.
Full Market Access
We write with the carriers that want your business.
Champion has relationships with nearly every carrier that serves California construction. Standard markets, specialty programs, wholesale, and surplus lines — we have direct access where it matters and broker relationships where they add value.
Our low loss ratios and 22-year track record give us leverage. That means competitive pricing, flexible terms, and coverage placements that smaller brokers can't match and bigger brokers don't bother chasing.
- Direct access to admitted markets for standard construction risk.
- Wholesale relationships for hard-to-place trades (roofing, demolition, restoration, specialty subs).
- Surety capacity for bid, performance, and payment bonds across a range of program sizes.
We're part of Champion Risk & Insurance Services
Built-in Loss Control
We work the risk, not just the renewal.
Every Champion construction client has access to our loss control team. We've spent the last two decades helping them strengthen job-site safety, manage compliance responsibilities and approach renewal from a stronger position. Our team runs mock OSHA audits, safety training, heat illness prevention programs, forklift certification, and hands-on claim advocacy when something goes wrong.
This isn't a value-add we mention on our call and forget. This is how we help clients manage loss trends, protect their EMR and strengthen their position with underwriters.
- Mock OSHA audits and compliance consulting.
- Heat illness prevention program development.
- Forklift and equipment certification training guidance.
- Safety program development and toolbox talk content.
- Claim advocacy and reserve review.
Ready to get started?
We Show Up Where the Industry Meets.
Insurance sold well is insurance sold by people who understand the industry from the inside. Theo Goodwell, one of our senior construction producers, serves on the American Shotcrete Association Education & Safety Committee. That's a working commitment to the trade, helping shape safety standards, education programming, and the way the shotcrete industry thinks about risk.
When a shotcrete or specialty concrete contractor walks into a conversation with Champion, they're talking to a broker who sits in the same rooms they do.
Champion is also an active member of:
Independent Insurance Agents & Brokers of San Diego (IIAB San Diego)
Trusted Choice | Big I
Independent Insurance Agents & Brokers of California (IIABCal)
Awards & Recognition
We don't chase awards, but the ones we've earned reflect the way we operate.
SDBJ Best Places to Work — 2026
SDBJ
Top 10 Insurance Broker — 2025
Best Places to Work for Women — 2026
SDBJ Fastest Growing Companies — 2024
SDBJ
CEO of the Year Finalist — 2026
Insurance Luminaries Finalist — 2026
Best Places to Work SoCal — 2026
Let's get your ducks in a row.
Start with a 30-minute Risk Management Review. We'll look at your current program, name what's working, and flag what isn't. If your current broker has it dialed, we'll say so.