New York Contractor Insurance
Navigate New York's complex insurance requirements with expert guidance. Scaffold Law coverage, workers comp, and licensing support.
New York Scaffold Law (Labor Law §240)
New York's Scaffold Law creates absolute liability for contractors on elevation-related injuries. This unique law significantly impacts insurance requirements and costs.
- Absolute liability for elevation-related injuries
- Cannot be waived by contract or assumption of risk
- Applies to all construction, demolition, and repair work
- Higher insurance costs due to increased exposure
- Requires specialized coverage and higher limits
New York Contractor Insurance Coverage
Essential coverage types for New York contractors
General Liability Insurance
Critical for Scaffold Law protection in NY
- Scaffold Law (Labor Law §240) coverage
- Bodily injury and property damage
- Products and completed operations
- Contractual liability protection
Workers Compensation
Mandatory for all employees in New York
- Medical expenses coverage
- Lost wage replacement
- Disability benefits (separate coverage)
- Return to work programs
Commercial Auto Insurance
Required for business vehicle operations
- Higher limits due to NY regulations
- Hired and non-owned coverage
- Commercial vehicle protection
- Fleet coverage options
New York Contractor License Requirements
Insurance and bond requirements by license type
Home Improvement Contractor
Residential improvement work over $200
Public Work Contractor
Government construction projects
Electrical Contractor
Electrical installation and repair
Plumbing Contractor
Plumbing installation and repair
We Serve All of New York
Licensed to write contractor insurance throughout the Empire State
Why Choose CCA for New York Insurance?
Scaffold Law Expertise
Deep understanding of NY Labor Law §240 and its impact on coverage
Compliance Support
Navigate complex NY regulations and licensing requirements
Higher Limits Available
Access to high-limit policies required for NY exposure
Claims Advocacy
Expert representation for complex NY construction claims
Risk Management
Safety programs focused on elevation-related exposures
Local Knowledge
Understanding of local markets and regulatory differences
Ready to Get Licensed in New York?
Get expert guidance on New York's complex contractor insurance requirements and secure proper coverage today.