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Surviving the Insurance Storm: 10 Smart Ways New York Contractors Can Protect Their Business in 2026

By 2026, New York contractors are facing one of the most challenging insurance environments in decades. Premiums are rising, underwriting is tightening, audits are getting tougher, and cancellations are happening faster than ever. Whether you’re a general contractor, subcontractor, or specialty trade, insurance is no longer just a checkbox—it’s a survival tool. The good news?

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Is a New York Contractor Covered Under Their Commercial General Liability Policy for a Subcontractor’s Negligent Act?

Construction projects in New York rely heavily on subcontractors to perform specialized work such as electrical, plumbing, framing, and concrete installation. While subcontractors are essential to completing projects efficiently, they also introduce additional liability exposure for general contractors (GCs). When a subcontractor commits a negligent act that results in bodily injury or property damage, an

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