Built for Contractors.
HUB International Northwest delivers deep construction industry expertise — from DOT compliance audits and fleet risk management to captive feasibility across both Property & Casualty and Employee Benefits. One team. Total coverage. Zero gaps.
The People Behind Your Program.
No call centers. No handoffs. A unified team of P&C specialists, EB advisors, compliance attorneys, actuaries, and pharmacy consultants — all accountable to Crestline.
Property & Casualty
Account lead for Crestline's full P&C program. Coordinates strategy across all commercial lines including DOT compliance alignment and captive analysis.
Senior executive oversight. Construction market relationships, carrier strategy, and captive partner evaluation.
Day-to-day program servicing, policy administration, DOT endorsement monitoring, and renewal coordination.
Client service, certificate management, fleet schedule maintenance, and ongoing coverage support.
Human Resource Team
Samantha’s superpower is being able to bridge the gap between the C-suite and human resources teams by creating strategic solutions that impact the overall ROI of an organization and make it palpable and realistic for those in charge of delivering to the rest of the organization.
Malia has over 20 years of experience at HUB and works with large group employers to cultivate comprehensive benefits programs that meet the needs of the employee population while staying within budget. She has a strong depth of knowledge on funding arrangements and unique offerings including unbundled self-funded, association health plans, captives, ICHRAs, and more.
As a senior account manager with 14 years’ experience, Kim is responsible for the day-to-day servicing of her clients’ programs and needs. She collaborates with the team on executing multi-year strategic plans, develops and conducts open enrollment presentations, manages new carrier, plan, or vendor implementation, and assists in the RFP process as needed.
As an account manager in our employee benefits department, Jimetta is responsible for the day-to-day client service and collaborates with advisors and other account managers to ensure client benefit needs are met.
Liliana works to support our clients on a variety of levels, including biweekly compliance updates, hosting and speaking at our annual compliance summit, and much more. She possesses 22 years of experience in addressing the compliance and regulatory needs of employers and their group health plans.
As an account manager in our employee benefits department, Jimetta is responsible for the day-to-day client service and collaborates with advisors and other account managers to ensure client benefit needs are met.
Matt is a regional pharmacy consultant at HUB International and has nearly a decade of experience in working with pharmacy benefit managers. Matt has hands on experience working with large health plans, self-funded employers, PBMs, GPOs, retail pharmacies, and pharmacy manufacturers.
With over 10 years of experience in the wellness industry, Lindsay has a proven track record in strategic planning, program development, and vendor management. In her role with HUB International, Lindsay consults with a wide variety of organizations, ranging in size from 50-15,000 employees, to deliver results-oriented wellbeing strategies.
Ed has over 15 years of experience in channels, technology, HR, and leadership roles and has been leading growth and channels for the HUB People & Technology Consulting Practice since 2020. Ed and the rest of the HUB team of consultants have experience in diverse organizations, specializing in building and developing high-performing human capital programs, systems, and teams.
From Level-Funded to Self-Insured: The Full Captive Picture.
Captive arrangements are one of the most powerful tools available to contractors — but only when structured correctly. HUB offers captive analysis and transition support across both Employee Benefits and Property & Casualty, with a clear framework for evaluating feasibility, financial impact, risk structure, and long-term strategy.
Benefits Built for a Construction Workforce.
A heavy civil contractor's workforce is physically demanding, geographically distributed, and often operating on tight margins between competitive bids. Your benefits program needs to attract and retain skilled operators and laborers — while managing costs with the same discipline you apply to every job site.
Workforce-Specific Plan Design
Plans designed around the demographics, utilization patterns, and income levels of your actual workforce — not a generic contractor template. Multi-year strategic planning aligned to hiring cycles and project pipeline.
PBM Carve-Out & Pharmacy Cost Control
Physical labor workforces carry higher-than-average pharmacy costs. A direct, pass-through PBM contract gives full visibility into formulary economics. Most carve-outs deliver savings that exceed transition costs in year one.
Network Repricing for Construction Regions
Claims-based reprice analysis identifies competitive network alternatives — particularly important for workers spread across Oregon and Washington. Reduce unit cost without disrupting preferred providers.
Workforce Wellness & Injury Prevention
Wellness programs for construction workers reduce WC claims, absenteeism, and long-term disability costs simultaneously. Our ChooseWell platform is included at no cost and scales from 50 to 15,000 employees.
Compliance & Leave Law Management
Multi-state contractors face overlapping Oregon and Washington leave law obligations. Our compliance team provides biweekly updates, policy reviews, and 226J response letter drafting as standard service.
Financial Analytics & Cost Forecasting
Experience reporting, financial projections, and reserve estimates built around your specific claims data. Long-term cost trajectory modeling that gives your CFO and leadership team the data they need to plan.
Current Program: Findings & Gaps.
HUB conducted a comprehensive review of Crestline's current program. While placed with financially sound carriers, our audit identified several key coverage gaps — many of which directly intersect with DOT compliance and contractor-specific exposures.
Built Around How Contractors Actually Operate.
Most brokers treat contractors like any other commercial client. HUB doesn't. Our construction team understands the layered complexity of heavy civil operations — fleet exposure, subcontractor liability, ODOT compliance, in-water work, multi-state licensing, and workforce risk — and builds programs that reflect that reality.
Insurance Cost Optimization Assessment
Deductible & Captive Feasibility Review
Subcontract Risk
DOT Risk & Compliance Program Review
Fleet & Equipment Risk Management
Subcontractor Risk Transfer
DOT Audits: Don't Get Caught Unprepared.
For heavy civil contractors operating commercial motor vehicles, a DOT audit is not a question of if — it's when. An unsatisfactory safety rating can trigger carrier non-renewals, surcharge your premiums, and jeopardize your ability to bid public contracts. HUB provides end-to-end DOT audit preparation, response, and insurance program alignment.
Our 5-Step DOT Audit Process:
HUB's DOT audit service goes beyond paperwork review. We work alongside your operations and safety team to build a defensible compliance posture — before, during, and after an audit.
Bond Capacity That Keeps You Bidding.
Bonding isn't a formality — it's a growth lever. Your ability to pursue larger ODOT projects, public works contracts, and multi-prime jobs lives and dies with your surety relationship. HUB's Northwest bonding team sits at the same table as your P&C and Benefits advisors — so your bond capacity grows alongside your business.
Dean leads HUB's surety practice across the Pacific Northwest with deep relationships across the region's top surety markets. He knows how to position a contractor's financials, backlog, and track record to maximize single and aggregate bonding limits — and he's done it for contractors at every stage of growth.
Kristen manages day-to-day bond execution — issuance, tracking, renewals, and surety market communication. Her contractor-specific surety experience means bonds are ready when Crestline needs them, fully aligned with project obligations and agency requirements.
One Team. Total Risk Visibility.
The most dangerous word in risk management is "siloed." When your P&C broker doesn't see your benefits claims, and your benefits consultant doesn't know your EMR, you get fragmented advice. HUB sees both — and that changes everything.
The Integrated Difference for Contractors
One Team. Total Risk Visibility.
The most dangerous word in risk management is "siloed." When your P&C broker doesn't see your benefits claims, and your benefits consultant doesn't know your EMR, you get fragmented advice. HUB sees both — and that changes everything.
Erik, Samantha, and I are happy to provide any referral you would like.
Let's Build Something Better
Crestline has spent 30 years building the Columbia River Gorge. HUB will build the risk and benefits strategy — and the captive roadmap — they deserve.