Construction
Group health for construction employers.
Multi-state crews, prevailing-wage rules, and turnover that breaks every ben-admin platform. Bindly is built for it.
Designed around NAICS 23 (Construction). Works for GCs, subs, and specialty trades.
- LicensedAZ Life & Health
- License #3002749351
- ComplianceBAA + HIPAA-aligned
- E&O$1M policy carried
Pain points we hear from construction employers
Here's what your peers actually deal with — and our answer for each.
“Crews work across multiple states; carriers refuse to enroll people whose payroll address doesn't match their work site.”
Bindly: We map each EE to the right state plan, manage multi-state enrollment, and handle the carrier exceptions when crews move.
“Prevailing-wage projects require specific fringe-benefit reporting; HR has to reconcile this manually every period.”
Bindly: We integrate with your certified-payroll process so the benefits portion of fringe is reported automatically.
Backed byHRIS / payroll EDI integration
“Turnover is high, so COBRA notices and 1095 forms are constant work.”
Bindly: 100% of COBRA admin and 1094-C/1095-C filing handled by us. You stop tracking it.
Backed byCOBRA administration (100%)ACA 1094-C / 1095-C filing
“Crews speak Spanish; carrier and OE materials are English-only.”
Bindly: Every EE artifact in English and Spanish out of the box. Live bilingual EE meetings during OE.
“Workers' comp and group health are managed by different brokers and never align.”
Bindly: Bindly Insurance handles your commercial lines (workers' comp, GL, auto) on the same account team. One escalation desk for both.
Backed bycarrier-escalation-desk
“Foremen and supers call HR with benefits questions while they're on a job site.”
Bindly: 24/7 AI chat answers in 30 seconds. Falls back to a licensed Bindly advocate when needed.
Concierge services
The services we deploy for construction employers first.
Every Bindly group gets the full Concierge bundle. These are the ones you'll feel within the first 30 days.
Tier 0
All groups
Every Bindly group gets these — any headcount.
- #124/7 EE Benefits AI Chat
Employees text "is this covered?" and get answers from their actual plan documents — without HR.
- #2Compliance Calendar with auto-reminders
Every employer benefits deadline tracked with 30/14/7/1-day reminders. Nothing slips.
- #3Claims Advocacy Desk
Surprise bill, denied claim, balance billing? Employee calls Bindly. We fight the carrier.
- #4ERISA wrap document + Form 5500 filing
Most small/mid groups are out of compliance here. We fix it silently.
- #5SBC + SAR distribution
Quarterly and annual Summary of Benefits Coverage and Summary Annual Report — distributed and audit-logged.
- #6Mid-year benchmarking report
Your plan vs market peers — delivered to the CFO every July.
- #7Mobile EE app
ID cards in a phone wallet, find-a-doctor, ask Bindly chat, view EOBs.
Tier 1
25+ employees
Groups with 25 or more employees unlock these in addition.
- #8ACA 1094-C / 1095-C filing
For ALE groups (50+ FTE) — generated, filed with the IRS, receipted.
- #9COBRA administration (100%)
Every qualifying event → notice → election tracking → premium tracking. We handle all of it.
- #10HRIS / payroll EDI integration
Bindly sets up and maintains the data feeds between your HRIS, payroll, ben admin, and every carrier.
- #11Open Enrollment Management Platform
White-glove OE: on-site or Zoom EE meetings, bilingual comms, enrollment, post-OE audit.
- #12Decision-support tool for OE
"Which plan is right for me?" wizard for every EE — Picwell/ALEX-style.
- #13HR Helpline
DOL, FLSA, FMLA, ADA, USERRA questions answered by attorneys. Resold from a partner firm.
- #14Voluntary Benefits Marketplace
Pet, legal, ID protection, hospital indemnity, accident, critical illness — enrollment + payroll deduct.
Tier 2
100+ employees
Groups with 100 or more employees unlock everything — the full enterprise stack.
- #15Mobile EE app — custom-branded
Your logo, your colors, your benefits.
- #16Quarterly Business Reviews with CFO
Claims trends, utilization, top cost drivers, predictive renewal, what-if scenarios — every quarter.
- #17Captive Insurance Feasibility Analysis
Annual review of whether a group captive makes financial sense for you.
- #18ICHRA / QSEHRA modeling
Model a defined-contribution move off traditional group plans.
- #19Stop-Loss Management (self-funded only)
Broker stop-loss, monitor lasered conditions, run renewal advocacy.
- #20Total Rewards Statements
Annual personalized "here's your total comp value" statements for every EE.
- #21Bilingual EE Communications
Full Spanish; on request, additional languages.
- #22Mental Health Benefit Benchmarking
EAP utilization tracking, vendor sourcing, recommendations.
Ready for a tailored walkthrough?
We'll prepare with your industry context already loaded, so we skip the basics and dig into what would actually change for you.