General contractors, subcontractors, and specialty trades all carry distinct risk profiles, but share one universal pain point: nearly every job now requires a Certificate of Insurance before you’re allowed on site, and getting the wrong coverage in place can cost you the contract.
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Coverage Contractors Need
- Workers’ compensation — accurate trade classification is critical; many contractors are paying premium for work they no longer perform. See class codes guide →
- General liability — with limits your GC or client contract specifies, structured around New York’s Scaffold Law exposure
- Builder’s risk — for projects under construction
- Commercial auto — for vehicles and equipment transport
- Umbrella coverage — when contract requirements exceed your underlying limits
The New York Scaffold Law: What Contractors Must Understand
New York’s Labor Law Sections 240 and 241 impose absolute liability on general contractors and building owners for gravity-related construction accidents. This applies on every jobsite in the state — from Brooklyn brownstone renovations to Long Island residential developments. GL limits and umbrella structure for any contractor working in New York must account for this. Most contractors we review are underinsured relative to the actual Scaffold Law exposure their work carries.
The Classification Issue We See Most
Contractors who’ve shifted their work mix — from hands-on field work to more supervisory or management roles — are very often still rated under the higher-cost field labor code. That’s a direct, fixable cost. How workers’ comp classification codes work →
E-Mod Auditing for Contractors
Construction carries some of the higher workers’ comp class code rates in New York, which makes E-Mod errors especially expensive. We audit E-Mod worksheets for every contractor client at every renewal.
E-Mod audit checklist → | What is an E-Mod? →
Certificate of Insurance Turnaround
Need a COI fast for a bid deadline? We handle these same-day for active clients.
Where We Serve Contractors
Brooklyn · Queens · Manhattan · Bronx · Staten Island · Long Island
