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If you’re a contractor operating in New York today, you’ve probably noticed something unsettling happening in the insurance market. When your general liability policy comes up for renewal, the conversation with your broker is no longer as simple as it used to be. Rates are rising. Underwriting is tightening. And perhaps most concerning of all—there

If you spend any time talking with construction contractors across the Tri-State area — New York, New Jersey, and Connecticut — you’ll hear the same complaint again and again. It’s not the work. It’s not the employees. And it’s not even the premiums. It’s the workers’ compensation audit. For many contractors, the annual workers’ comp

Understanding contractor insurance requirements is critical for protecting your business and meeting client expectations. Learn about the 12 essential coverage types every contractor needs to operate legally and safely.

Many New York contractors believe that once they purchase a Commercial General Liability (CGL) policy, they are fully protected. Unfortunately, that is often not the case. Over the past several years, insurance carriers have added numerous exclusions to contractor policies that significantly limit coverage. Some of these exclusions are buried deep in the policy endorsements and

Learn about the essential hvac contractor insurance options that New York HVAC businesses need to protect their operations, employees, and clients from common industry risks.

New York construction contractors operate in one of the most legally complex environments in the country. While many contractors believe their general liability policy protects them from lawsuits arising out of job site accidents, the reality is often very different. One of the most misunderstood issues in construction insurance is whether a contractor’s liability policy