IMD InsuranceTrade contractors
- Electrical, plumbing, HVAC, carpentry, masonry, roofing, painting
- GL with the endorsements your GC requires
- Tools and equipment on an inland marine form
- Commercial auto for vans and pickups
Contractors
Contractors insurancethat passes the GC.
General liability, auto, workers' comp, equipment, and builder's risk for trade and general contractors — written for New York's Labor Law reality, with certificates and additional-insured endorsements that actually hold up.
Who we insure
Trades, GCs, and the people between.
From a two-person electrical shop to a general contractor running multiple sites, the questions are the same: what does the contract require, and what does the policy actually exclude?
i.
ii.
General contractors
- GL structured for subcontracted work
- Subcontractor certificate requirements and tracking
- Builder's risk per project or on a reporting form
- Umbrella and excess for owner contracts
iii.
Specialty & artisan
- Remodelers, finish carpenters, tile, flooring
- Residential and light commercial
- Owner-operators of a single crew
- Growing into the first employee — comp done right
Coverage
What a contractor carries.
Plain-English summaries. Your policy documents always control.
01
General liability
Bodily injury and property damage from your work, during and after. In New York, the action-over and Labor Law exclusions matter more than the limit — we read them with you.
Contract-required02
Workers' compensation
Required in New York once you have employees; uninsured subcontractors can be charged to your policy at audit. Class codes and payroll drive price.
Required03
Commercial auto
Vans, pickups, and trailers used for work — including hired and non-owned auto when employees drive their own vehicles to jobsites.
Vehicles04
Inland marine — tools & equipment
Tools, equipment, and materials in transit and on site, scheduled or blanket. Standard property policies usually stop at your door.
Equipment05
Builder's risk
The structure under construction and materials on site, from ground-break to completion. Written per project or on a reporting form for repeat builders.
Projects06
Umbrella & excess
Limits above GL, auto, and employers liability. Owner and GC contracts in New York frequently require $5M or more.
Higher limits07
Contractor's pollution liability
Pollution conditions from your operations — fuel, solvents, disturbed materials — that GL policies exclude.
Specialty08
Surety bonds
Bid, performance, and payment bonds through surety partners. Not insurance, but part of the same conversation about your capacity.
ReferralSimplified summaries for general information. Coverage, limits, and exclusions vary by carrier and policy. Requirements vary by state, municipality, and contract.
Service
Certificates that mean something.
A certificate is a promise the policy has to keep. We check the endorsements before we issue, and we issue fast — our platform tracks every holder and every renewal.
i.
Additional insured
Ongoing and completed operations forms matched to what the contract actually says.
ii.
Primary & non-contributory
Confirmed on the policy, not just typed on the certificate.
iii.
Waiver of subrogation
GL, auto, and workers' comp waivers where the contract requires them.
iv.
Subcontractor tracking
We help you collect and review your subs' certificates so audit day isn't a surprise.
FAQ
Contractor questions.
Why is contractor GL so expensive in New York?
New York Labor Law §§240 and 241 impose near-absolute liability on owners and contractors for gravity-related injuries to workers. That drives large claims, so many carriers restrict or exclude New York construction. We place with markets that write it and read the action-over and Labor Law exclusions with you before you bind.
What does the GC actually need on my certificate?
Usually additional insured status on a primary and non-contributory basis for ongoing and completed operations, a waiver of subrogation, and specific limits. The policy has to carry matching endorsements for the certificate to mean anything — we check before issuing.
I only use subs. Do I need workers' comp?
In New York, contractors generally need coverage, and uninsured subcontractors can be charged to your policy at audit. Collect certificates from every sub, and ask us how your carrier treats uninsured subs.
What do you need for a quote?
Trades performed and the percentage of each, payroll by class, subcontracted costs, revenue, current policies, 3–5 years of loss runs, and a sample of the contracts you sign. Send what you have — our intake reads it.
Get a quote
Talk to a person.
(332) 333-2353 IMD Insurance Agency LLC767 Broadway #1239, New York, NY 10003
Hours: business hours — fill in
Good to have readyCurrent policies and declarations · 3–5 years of loss runs · payroll and revenue · any contract or lender insurance requirements