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Nine Trades · Nassau County · Same-Day Certificates

Contractor Insurance in Nassau County, NY

Roofers, electricians, plumbers, HVAC, GCs, painters, landscapers, concrete and home improvement. We ask the questions underwriters actually ask, so the quote you get is the price you pay.

Start My Quote Call (516) 216-5600

83 Franklin Ave, Franklin Square, NY 11010 · Office Mon–Fri 9–5

A Contractor Program, Not Just a Policy

Most Long Island trades end up carrying three or four coverages that have to work together. Buying them piecemeal from different places is how gaps happen.

General Liability

The core of the program, and the policy every GC, property owner and municipality in New York asks to see before you start.

Workers' Compensation

Mandatory in New York with employees, and the certificate is checked constantly on job sites. Rates hinge on your class codes and payroll.

Tools & Equipment

Covers what gets stolen off the truck or the site. Ask any trade on Long Island how often that happens.

Commercial Auto

Work trucks and vans belong on a commercial policy. A personal auto policy will deny the claim once it learns the vehicle was being used for business.

What Underwriters Will Ask You

Years in business, annual gross revenue and number of employees or subs
What percentage of work you subcontract out, and whether you collect certificates from your subs
Maximum height or stories you work at
Whether you touch structural or load-bearing work
Pre-1978 homes and lead-safe certification, for anyone disturbing paint
Claims in the last three years

Common Questions

How quickly can you get me a certificate for a job starting tomorrow?

If coverage is already bound, same day and usually within the hour during office hours. If you need the policy itself written first, call (516) 216-5600 rather than using the form so we can move it immediately.

Why does subcontracting change my rate so much?

Because uninsured subs become your exposure. Carriers ask what percentage of your work is subbed out and whether you collect certificates from every sub. Contractors who consistently collect certificates from insured subs get materially better pricing.

Do you cover roofing and other trades that get declined a lot?

Yes. Roofing, and anything involving height or structural work, is declined by plenty of standard carriers, which is exactly why an independent agency matters. We place these through specialty markets that want the business.

What if I only need coverage for one job?

Tell us the job and the certificate requirements and we will tell you honestly whether a short-term or project-specific solution exists for your trade, or whether an annual policy ends up cheaper. It often does.

Where We Write

We're an independent agency licensed across New York State. Most of our clients are within a few miles of the office: Franklin Square, Elmont, West Hempstead, Valley Stream, Garden City, Malverne, New Hyde Park, Floral Park, Hempstead, Mineola, Uniondale, Lynbrook, Rockville Centre, Levittown and Hicksville, and the rest of Nassau County.