Programs tailored to the many facets of risks that contractors face.

Contractors face risks every day, from damaged or stolen equipment to job-site injuries. At Empire State Brokerage, we specialize in commercial insurance policies for busy contractors just like you. We’ll make your insurance decision easy, so you can stay focused on hitting deadlines and keeping your customers happy.

General Liability:

  General Liability:

General Contractors Program Details & Highlights:

  • Residential and Commercial
  • New ventures are eligible
  • Work completed by subcontractors is covered including insured, uninsured & underinsured
  • Claims made & occurrence forms available
  • $1,000,000/$2,000,000 aggregate limits available
  • Paper GC’s (100% Subcontracted) are eligible

Artisan Contractors Program Details & Highlights:

  • Minimum premium $500
  • Residential and commercial
  • New ventures are eligible

Owner & Contractor’s Protective Liability:

 Owner & Contractor’s Protective Liability:

Owner & Contractor’s Protective Liability Program Details & Highlights:

  • Insurance is written by A (Excellent) AM best rated company
  • Program for Mono-Line Stand alone coverage
  • Available in all states nationwide
  • Multi year policies
  • 24 hour response times
  • Simple 1 page application

Owner & Contractor’s Protective Liability Program Eligibility:

  • All habitational classes
  • Office buildings
  • Mercantile buildings
  • Shopping malls
  • (All subject to underwriting approval)

Surety Bonds:

 Surety Bonds:

Payment & Performance Bonds Program Details & Highlights:

  • Available Bond Limits
  • CPA certified financials NOT required
  • Credit Score – no minimum credit score
  • Collateral rarely required
  •  Underwriting
    • Streamlined submission process
    • Credit: working capital advances up to 90% of approved requisitions
    • Underwriting focuses on experience and character opposed to strong financial statements
  •  Standard indemnity

Railroad Protective Liability:

 Railroad Protective Liability:

Railroad Protective Liability Program Details & Highlights:

  • A (Excellent) AM Best Rated Company
  • 3 year terms available
  • 24 hour response time
  • In-house authority to quote and bind
  • Ability to provide high limits
  • Occurrence policies

Builder’s Risk:

 Builder’s Risk:

Builder’s Risk Program Details & Highlights:

  • Residential and Commercial
  • $1,000,000 – $2,000,000 aggregate available
  • Multiple markets available
  • New ventures are eligible

Builder’s Risk Coverages Available:

  • Protection for building materials from theft
  • Protection for building materials while in transit
  • Reporting form and single structure policies
  • Covers building materials after installed
  • Coverage from windstorm available
  • Coverage for earthquake available
  • Protection for losses due to laws
  • Protection for losses due to ordinances
  • 6 month, 9 month and 12 month policies available