We write full programs for New York trades: general liability, tools and equipment, completed operations and workers' comp. When a GC won't let you on site without a certificate, we can usually bind coverage and issue the COI the same day. Rough claim history? We place those risks too.
Every job site carries its own risk, and every contract spells out the paper you need before you can start. Here's what a working program usually combines.
The core of the program, and the policy virtually every GC, property owner and municipality in NY asks to see. Covers bodily injury, property damage and completed operations arising from your work.
Covers your owned tools and equipment against theft, vandalism and damage, whether they're on the job site, in transit or back at the shop.
Covers bodily injury or property damage that shows up after the work is finished. Think of a structural issue discovered months after a renovation wraps.
Covers the work trucks, vans and other vehicles you use for business. A personal auto policy won't cover commercial use.
Required by NY law for any contractor with employees. Pays medical bills and lost wages for workers injured on the job, and most GCs require it even for subs.
Adds liability limits above your primary GL. Larger contracts, public work and municipal jobs in New York often require it.
Answered the way we'd answer them on the phone.
Most GCs and property owners require $1M/$2M as a minimum. NYC and municipal jobs often require $2M/$4M or higher. We'll match the exact limits your contracts call for.
In NY, sole proprietors in construction trades are generally required to carry workers' comp or file for an exemption. Many GCs require it regardless. We'll walk you through what applies to your situation.
For most contractors GL policies, we can bind coverage and issue a COI the same day — sometimes within the hour. We know job sites can't wait.
Yes. We work with specialty markets and non-standard carriers who cover contractors with difficult histories. Tell us your situation and we'll find options.
The quote form on our homepage has a track for nine contractor trades. Pick yours, send the basics, and a licensed agent will shop it across our carriers and call you back.