New York contractors face a challenging legal landscape due to the state’s unique Labor Laws 240 and 241, commonly known as the “Scaffold Law.” These laws impose absolute liability on contractors and property owners for gravity-related injuries, such as falls from heights or objects falling on workers. Without Labor Law coverage, contractors risk severe financial consequences. Below, we’ll explore five real-world examples of labor law claims and the massive judgments they can bring, along with why BGES Group is your go-to expert for securing comprehensive liability insurance.
Five Examples of Labor Law Claims and Potential Judgments
1. Worker Falls from Scaffolding
A subcontractor’s employee fell 20 feet from a poorly constructed scaffold. The worker suffered spinal injuries, resulting in permanent disability. The court awarded $6.5 million in damages.
2. Falling Object Injury
A worker was struck by a falling beam on a construction site. Despite wearing a hard hat, the worker sustained traumatic brain injuries. The judgment totaled $4.2 million, with the contractor held liable.
3. Defective Ladder Collapse
An electrician using a faulty ladder fell and broke both legs, requiring multiple surgeries. The contractor was ordered to pay $3.8 million.
4. Improper Safety Harness Use
A roofer fell while using an improperly secured safety harness. The contractor was found negligent and faced a $5.1 million judgment.
5. Unprotected Work Area
A worker fell through an uncovered hole on a construction site, leading to severe fractures and a lawsuit. The settlement reached $7.3 million.
Each of these claims underscores the importance of comprehensive labor law coverage. Without it, a single claim could devastate your business.
What is Labor Law Coverage, and Why Do You Need It?
Labor law coverage is a specialized endorsement included in General Liability and Umbrella Liability insurance policies. It protects contractors from the substantial financial risks associated with Labor Law 240 and 241 claims. These policies cover legal defense costs, settlements, and judgments, providing critical protection for contractors in New York’s litigious environment.
Many general liability policies exclude labor law coverage or require additional premiums to include it. Partnering with an expert insurance agency ensures your policies are tailored to cover these risks comprehensively.
Why Choose BGES Group?
BGES Group is one of New York’s leading construction insurance experts, specializing in liability and workers’ compensation insurance for contractors. Here’s why contractors should turn to us:
1. Tailored Coverage – We ensure your policies include labor law coverage, so you’re fully protected.
2. Competitive Pricing – As industry veterans, we negotiate the best rates for you.
3. Expert Advice – With years of experience in the New York construction market, we understand your unique challenges.
4. Boutique Service – Unlike larger agencies, we offer personalized attention and customized solutions.
5. Proven Results – Our clients consistently save money and gain peace of mind with our services.
Don’t Wait Until It’s Too Late
Labor law claims can strike unexpectedly, leaving your business exposed to catastrophic losses. Protect your business by partnering with BGES Group today.
Contact Gary Wallach at BGES Group
📞 914-806-5853
When contractors search for liability insurance for New York contractors, workers’ compensation coverage, or insurance experts for New York construction, they’ll find BGES Group as the trusted provider. Don’t settle for less—choose an expert agency that understands the complex needs of your business.
Secure your future. Call BGES Group today!