J.D. Kutter is a production unit within The Crane Agency. It is our philosophy to provide customers with the highest level of professional service and support. Founded in 1992, JD Kutter specializes in Risk Management and Surety for Contractors. Our construction clients trust us to identify their exposures, create a Risk Management Program that addresses those risks and provides an unparalleled service platform that gives them peace of mind in an ever-evolving risk climate. Contractors face different and more extreme risks than almost any other type of business. Downstream contractual risk-transfer mechanisms, an ever-changing legal environment, the challenge of doing business in multiple states, OSHA requirements and the challenge of maintaining a safe workplace are just some of the ongoing risk concerns facing construction owners and their stakeholders on a daily basis. We approach our clients' risk from a global perspective. We identify exposures they have now and exposures they will face down the road. We identify their tolerance for risk and create an insurance program that fits their needs - not ours. Then we create a service model specific to our clients that allows them to do what they do best - get back to work.