Contractors Insurance New York

Contractors Insurance in New York

With the help of our knowledgable agents, you can gain access to affordable and comprehensive Contractors Insurance in New York & Pennsylvania.

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Upstate Insurance Agency | Insurance in New York + Pennsylvania

Contractors face unique risks every day, whether on a busy job site in Manhattan or a quiet residential project in the Adirondacks. At Upstate Insurance Agency, we understand the challenges that come with running a contracting business in New York. That’s why we offer access to insurance options designed to help contractors operate confidently, whether they’re solo tradespeople or running a larger crew.

With years of experience working with contractors across the state, from Syracuse to Albany to Buffalo, our team helps clients explore coverage solutions that fit their line of work, project scale, and risk level. Whether you’re in construction, plumbing, electrical, HVAC, or general contracting, our agency provides guidance tailored to your business.

Contractors Insurance New York

What Is Contractors Insurance?

Contractors insurance refers to a package of insurance policies that help address various risks contractors may face on and off the job. These may include property damage, third-party injuries, employee accidents, and more. Policies can be adjusted based on the type of work performed, number of employees, and business size.

Coverage needs vary widely depending on your specialty. For example, a roofing contractor in Rochester may face different risks than a flooring specialist in Yonkers. That’s why working with a local New York insurance agency that understands the nuances of your trade can be beneficial.

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Our team is here to give you a quote for the insurance coverages you need to protect the things most important to you. Get your quote now!


Who Needs Contractors Insurance in New York?

Most individuals or businesses offering contracting services in New York should consider some form of contractors insurance. This includes:

  • General contractors
  • Subcontractors
  • Electricians
  • Plumbers
  • Painters
  • HVAC technicians
  • Landscapers
  • Masons
  • Carpenters

Whether you’re working on residential renovations or large-scale commercial projects, having the right insurance can support your business’s resilience and credibility. Many clients and municipalities throughout New York require proof of insurance before work can begin.

  • The exact coverage included in a contractors insurance plan can vary. Below are some of the core coverage types many New York contractors consider:

    • General Liability Insurance: Helps protect against third-party property damage and bodily injury claims. This may be required before you can secure a job or receive permits.
    • Workers’ Compensation: Required by New York State if you have employees. It helps address medical expenses and lost wages in the event of a workplace injury.
    • Commercial Auto Insurance: If your business uses vehicles for transporting tools, materials, or employees, this coverage may help in the event of an accident or vehicle damage.
    • Tools and Equipment Coverage: May help protect mobile tools and equipment from theft or damage—whether they’re in a truck or on-site.
    • Errors & Omissions Insurance: Sometimes called professional liability, this coverage may help if a client claims that your work or advice led to financial loss.
    • Builders Risk Insurance: This type of coverage may help protect materials and partially completed structures while under construction.

    Every contracting business is different, and not all policies are required or appropriate for everyone. At Upstate Insurance Agency, we help New York contractors understand what options are available based on their work and obligations.

  • Certain types of insurance are legally required in New York if you operate as a contractor. For example, if you have employees—even part-time—you are generally required to carry workers’ compensation and disability insurance under New York labor law.

    Many city governments and licensing boards also require contractors to carry general liability coverage to operate legally. In addition, if you plan to bid on public contracts or work with general contractors, you may be asked to show proof of specific coverages or minimum policy limits.

    Not sure what’s required for your trade or region? Our local agents stay current with New York insurance laws and can help you understand what’s typically expected in your industry.

  • The cost of contractors insurance in New York can vary significantly based on:

    • The type of contracting work performed
    • Business size and annual revenue
    • Location and job site exposure
    • Number of employees
    • Claims history
    • Coverage limits and policy types selected

    For example, a solo handyman in a rural area may pay less than a roofing contractor managing multiple crews in New York City. We work with several insurance carriers to find options that align with your business needs and budget. Many policies can be customized, so you’re not paying for coverage you don’t need.

  • Choosing a New York-based agency like Upstate Insurance Agency gives you access to people who know the local regulations, risks, and requirements contractors face across the state. From seasonal weather concerns in the Catskills to complex permit systems in metro areas, we understand what makes working in New York unique.

    Our team is available to answer your questions, assist with certificates of insurance, and help update your coverage as your business grows. We don’t offer one-size-fits-all policies. Instead, we take the time to learn about your business, assess your risks, and guide you toward coverage options that suit your line of work.

  • Getting started with contractors insurance through Upstate Insurance Agency is simple:

    1. Contact us to discuss your business and insurance needs.
    2. Receive a customized quote with coverage options tailored to your trade and location.
    3. Choose the policies that work best for your business.
    4. Stay supported with ongoing customer service, COI requests, and policy reviews.

    Whether you’re starting a new business or reviewing your current coverage, we’re here to help make the process clear and efficient.

Ready to Talk Contractors Insurance?

If you’re a contractor in New York looking for insurance that makes sense for your business, Upstate Insurance Agency is here to help. Reach out today to speak with a local agent who understands your industry and is ready to walk you through your options.

Upstate Insurance Agency

For any questions or concerns, reach out to our independent insurance agents.

Office Location:

1020 7th North St. Suite 210 Liverpool, NY 13088