New York Contractors — before you step onto your next job site, take a minute to protect your business the right way. Connect with us on LinkedIn https://www.linkedin.com/in/gary-wallach-59407620/ and let’s make sure your insurance is built to handle the real risks you face.
When you’re working in New York’s high-stakes construction market, the right insurance program isn’t a luxury — it’s a survival tool. General liability, umbrella liability, and workers’ compensation policies are your safety net, but if the fine print isn’t right, one bad claim can shut you down.
Here are 10 critical things you need to look for right now in your policies:
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Commercial General Liability (CGL) & Umbrella Liability
1. Blanket Additional Insured Endorsements
Your policy should automatically cover project owners, landlords, general contractors, and municipalities when required by written contract.
2. Primary & Non-Contributory Language
Ensures your insurance responds first in a claim without contribution from the additional insured’s policy — a must for most jobs.
3. Waiver of Subrogation Endorsements
Prevents your insurance carrier from pursuing other insured parties after a claim — a standard requirement on most New York projects.
4. Completed Operations Coverage for Additional Insureds
Your policy should extend additional insured coverage for completed operations for 5-10 years after project completion.
5. No Residential Exclusions (if you do residential work)
Many policies exclude residential work entirely — check for this exclusion, especially if you do any condo, apartment, or home projects.
6. No Action Over Exclusions (or properly limited)
“Action Over” claims — where an injured worker sues a property owner or GC who then seeks indemnity from you — can be financially devastating. Make sure your policy addresses this risk.
7. Adequate Umbrella/Excess Liability Limits
Most projects now demand at least $5 million in umbrella coverage. Confirm your umbrella policy follows form over your GL and employers liability.
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Workers’ Compensation
8. Owners Included or Excluded (Know Where You Stand)
Some policies automatically include owners in coverage; others exclude them. Be sure you’re clear about whether you’re covered in the event of injury.
9. Employers Liability Limits High Enough for New York Risks
Standard minimum limits often aren’t enough in New York’s labor law environment. Make sure you have at least $1 million/$1 million/$1 million — many contracts require it.
10. Waiver of Subrogation Available for Workers’ Comp
Project owners and GCs often require this — and it’s best to have it built into your policy or readily available via endorsement when needed.
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How BGES Group Protects New York Contractors Better
At BGES Group, we specialize in contractor insurance programs and understand the specific risks and requirements you face in New York, New Jersey, and Connecticut. We’ll review your current policies, explain where you’re exposed, and help you secure superior, competitively priced coverage that keeps you job-site ready.
From general contractors to electricians, HVAC contractors, masons, plumbers, and all trades in between — we’ve got your back.
Reach out today for a free policy review or new quote:
Gary Wallach
BGES Group
Phone: 914-806-5853
Email: bgesgroup@gmail.com
Website: http://www.bgesgroup.com
And don’t forget — connect with us on LinkedIn https://www.linkedin.com/in/gary-wallach-59407620/ so we can stay in touch and keep you up to date with smart insurance tips for your business.