Contractors and tradespeople don't have the luxury of operating from behind a desk. You're working on jobsites, using tools and equipment, driving between projects, managing employees and subcontractors, and signing contracts that can put specific insurance requirements on your business. We understand the moving parts and help you put the right protection in place.

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Alpha/Omega works with contractors and trades throughout Staten Island, Brooklyn, New Jersey and the greater New York area, from new owner-operated businesses to established contractors. We work with a wide range of trades and understand that the insurance requirements for an electrician, plumber, carpenter, HVAC contractor or general contractor may look very different.

 

Core Coverages

• General Liability – Protection against claims of bodily injury and property damage arising from your operations.

• Commercial Auto – Coverage for vehicles used in your contracting business.

• Commercial Umbrella / Excess Liability – Additional liability protection above underlying policies.

• Workers' Compensation – Coverage for employees injured or becoming ill as a result of their work.

• Disability & Paid Family Leave – Required coverage for eligible New York employees.

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Specialized Coverages to Consider

New York Action Over Coverage / Labor-Law

Contractor's Pollution Liability

Employment Practices Liability

Surety Bonds

Contractors Equipment

Installation Floater

Builders Risk

Commercial Property

Professional Liability

Coverage for subcontractor-related exposures

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The jobsite isn't the only thing you need to protect.

From certificates of insurance to contract requirements, subcontractors and Action Over exposure, contractors have a lot to keep track of. We help you understand what your policies do and just as importantly, what they don't do, so you can focus on the next job.

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