Industry · Contractors
For NYC GCs, subs, and specialty trades.
Construction in NYC operates under uniquely punitive liability rules — Labor Law 240/241, sub-tier indemnification, and lease-driven COI demands. Insurance has to match the legal terrain, not the other way around.
Risk profile
NYC contractors carry one of the highest exposure profiles in commercial insurance. Labor Law claims, falling-object liability, subcontractor pass-through, and project-specific certificate obligations all stack on top of standard GL — and a single mis-endorsed policy can transfer six- and seven-figure exposure back to the GC.
Top exposures
Labor Law 240/241
Strict liability for gravity-related injuries on construction sites — non-delegable to subs.
Subcontractor risk transfer
Indemnification language and additional insured wording determine who absorbs a claim.
Project-specific COIs
Per-project additional insured, waiver of subrogation, and primary/non-contributory requirements.
Workers' comp class codes
Trade-specific codes (roofing, demolition, electrical) drive premium 3–10x base.
Equipment & tools
Owned and leased equipment, jobsite materials, and installation floater exposure.
Completed operations tail
Liability for defects that surface months or years after project completion.
Core coverage stack
General Liability
→Foundational third-party coverage including products-completed operations.
Workers' Compensation
→Mandatory, and where premium leakage is most common in this trade.
Property / Inland Marine
→Owned and leased equipment, tools, and jobsite materials.
Professional Liability
→Design-build and value-engineering exposure not covered by GL.
NYC operating notes
NYC DOB requires evidence of GL and workers' comp at permit pull — we issue these same-day.
Labor Law 240/241 makes general contractors strictly liable for elevation-related injuries; carrier appetite varies dramatically.
Wrap-up (OCIP/CCIP) projects require careful coordination with the contractor's underlying program.
MWBE and SBE certification often comes with additional insurance documentation requirements we routinely manage.
Other industries we serve
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