Team Haugen
Built for Chambers Construction.
A Unified Risk Strategy.
HUB International Northwest delivers deep construction industry expertise. From DOT compliance audits and fleet risk management to captive feasibility across Property & Casualty. One team. Total coverage. Zero gaps.
Top 4
PNW Construction Broker
200+
Carrier Relationships
41,000+
Construction Clients
$2.43B+
Construction Premium Placed
Your HUB Team
The People Behind Your Program.
Surety & Bonding
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.
Workers Compensation
Beyond placing coverage, Team Haugen supports clients through a dedicated Workers' Compensation and Risk Management practice. The team below works alongside our brokers to provide safety consulting, WC claims advocacy, loss analytics, and risk management support — helping clients reduce total cost of risk and build stronger, safer organizations.
Risk Management Team
Emily Eddy, MPH, CSP
VP of Risk Services | Safety Specialist
Emily is the VP of Risk Services at HUB International, holding a Master of Public Health in Occupational Safety and her Certified Safety Professional (CSP) designation. She brings deep safety management experience with a focus on construction, healthcare, and complex operational environments, partnering with clients to reduce risk, strengthen jobsite performance, and build a lasting safety culture.
Commonly Provided Services
OSHA Compliance Audits Injury Trend Analysis Return-to-Work Programs Ergonomic Analysis Job Safety Analysis (JSA)Incident Investigation New Hire Safety Training Industrial Hygiene Fleet & GL Risk Mitigation Supervisor Safety Training
Alexander D’Arcy
Workers Compensation Claims Analyst
Xander brings 14+ years as a Certified Claims Adjuster at HUB International, with experience spanning construction, wood products, manufacturing, retail, higher education, and transportation. He partners with clients to navigate the claims process, minimize losses, and provides hands-on employer advocacy with carriers and claims adjusters throughout each claim.
Commonly Provided Services
Claims Cost Mitigation Injury Trend Identification Employer Advocate Experience Modifier Review Claims Reserves Analysis SAIF Non-Disabling Program EAIP Assistance Time-Loss & Transitional Work Carrier & Adjuster Liaison Onsite Claims Reviews
Contractor-Specific Services
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.
DOT Compliance & Audit Services
DOT Audits: Don't Get Caught Unprepared.
For 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.
Driver Qualification File (DQF) Audit
FMCSA's Safety Measurement System (SMS) scores your operation across seven BASICs.
A percentile above 65–75% in any BASIC triggers investigation. We monitor scores continuously — not just at audit time.
- Commercial driver's license (CDL) verification and endorsement review
- Medical examiner certificate currency and FMCSA registry confirmation
- Previous employer safety performance history requests (3-year look-back)
- Annual driving record review from all states of licensure
- Road test certificates and entry-level driver training documentation
SMS Score Monitoring & Intervention
FMCSA's Safety Measurement System (SMS) scores your operation across seven BASICs. A percentile above 65–75% in any BASIC triggers investigation. We monitor scores continuously — not just at audit time.
| BASIC Category | Threshold | HUB Monitoring |
|---|---|---|
| Unsafe Driving | 65% | ✓ Continuous |
| Hours of Service | 65% | ✓ Continuous |
| Driver Fitness | 80% | ✓ Continuous |
| Controlled Substances | 80% | ✓ Continuous |
| Vehicle Maintenance | 80% | ✓ Continuous |
| Hazardous Materials | 80% | ✓ Continuous |
| Crash Indicator | 65% | ✓ Continuous |
Hours of Service (HOS) Compliance
HOS violations are the second leading cause of DOT safety rating downgrades. For contractors, the interaction between construction site work and CMV operation creates unique compliance challenges.
- ELD (Electronic Logging Device) compliance review and gap analysis
- Exempt vehicle identification (short-haul, agriculture, construction site exemptions)
- Property-carrying vs. passenger-carrying driver rule differentiation
- Sleeper berth, 34-hour restart, and split-duty period documentation
- Road test certificates and entry-level driver training documentation
Construction Site Exemption Management
Many construction vehicles operating exclusively on job sites qualify for HOS exemptions — but only if properly documented. Misclassification is a common audit trigger.
HUB Insight: Contractors frequently over-register vehicles as CMVs when job-site-only units may qualify for exemptions, inflating DOT exposure unnecessarily. We audit your fleet registry for optimization opportunities.
- Job-site-only vehicle identification and exemption filing
- Fleet reclassification to reduce CMV count and DOT exposure
Vehicle Maintenance Program Audit
A well-maintained owned fleet is an underwriting strength — but only if maintenance records are audit-ready. Systematic documentation is as important as the work itself.
- Pre-trip and post-trip inspection record completeness review
- Periodic inspection frequency compliance (annual at minimum)
- Brake, lighting, and tire documentation for CMV roadworthiness
- Out-of-service violation history review and dispute support
- In-house maintenance shop documentation standards alignment
Insurance Crossover: Physical Damage & Maintenance
DOT vehicle maintenance records directly influence your physical damage claims outcomes. Well-documented maintenance rebuts carrier arguments that damage resulted from neglect rather than a covered event.
Drug & Alcohol Testing Program
FMCSA drug and alcohol testing requirements are among the most heavily scrutinized elements of a DOT audit. A single procedural gap — wrong lab, uncertified MRO, incorrect random pool — can result in a Conditional rating.
- Consortium/TPA program review for FMCSA compliance
- Random selection documentation and percentage rate verification
- Pre-employment, reasonable suspicion, and post-accident testing records
- Clearinghouse query compliance — annual queries for all CDL drivers
- Return-to-duty protocol documentation for any violations
Impact on Workers' Comp & Liability Claims
A robust drug and alcohol program does more than satisfy DOT requirements — it protects you in litigation. When an accident occurs, the presence or absence of a compliant testing program is often the first thing opposing counsel examines.
HUB Advantage: We coordinate your DOT drug & alcohol compliance directly with your Workers' Comp carrier's loss control team — ensuring consistent documentation standards that protect you both regulatorily and in claims defense.
How DOT Audit Outcomes Flow Into Your Insurance Program
A DOT audit doesn't end when the auditor leaves. The outcomes — your safety rating, BASIC scores, and violation history — feed directly into commercial auto underwriting. HUB translates audit results into immediate insurance action.
Rating Improvement Narrative:
If your rating improves following corrective action, we build a formal underwriting narrative documenting the improvement — and use it to negotiate rate reductions at renewal.
Carrier Communication Protocol:
We proactively communicate audit outcomes and remediation steps to your carrier before they discover them in FMCSA data — controlling the narrative rather than reacting to it.
Policy Endorsement Review:
Certain DOT violations trigger specific policy exclusions or endorsement requirements. We review all endorsements post-audit to ensure nothing slips through the cracks unnoticed.
MCS-90 Compliance:
We verify your MCS-90 endorsement aligns with DOT financial responsibility requirements and that the underlying coverage structure supports it correctly.
Fleet Registry Optimization:
Post-audit, we reconcile your insured vehicle schedule against FMCSA-registered CMVs to identify coverage gaps, eliminate inactive units, and ensure physical damage elections are current.
Safety Rating as Underwriting Asset:
A Satisfactory rating is an underwriting advantage. We actively present your safety rating, SMS scores, and DOT compliance history to carriers as evidence of controlled risk — influencing pricing in your favor.
