From small projects to complex builds, contractors face everyday risks that can impact their business, team, and bottom line. Eastern Insuring Agency helps New York contractors protect what they're building with coverage designed for the way you work.
New York Labor Law can create significant exposure for contractors. We help protect your business and your team.
New York Labor Law can create significant exposure for contractors. We help protect your business and your team.
Your tools, equipment, and vehicles keep your business moving. We help protect your investment on and off the jobsite.
Strong safety practices help reduce accidents, claims, and downtime while keeping your team and your reputation safe.
Protects against third-party bodily injury, property damage, and personal injury claims.
Covers medical costs and lost wages for employees injured on the job.
Protection for business-owned vehicles, hired vehicles, and non-owned auto exposures.
Adds an extra layer of liability protection above your primary policies.
Protects materials, equipment, and structures under construction from property damage or loss.
Covers stolen, lost, or damaged mobile tools and machinery on jobsites and in transit.
Protects against financial losses and legal claims from professional errors or design oversights.
Reimburses financial losses, legal fees, and recovery costs resulting from data breaches or cyberattacks.
Covers legal costs and settlements for employee claims of wrongful termination, discrimination, or harassment.
Replaces lost income and pays ongoing operating costs if covered damage temporarily halts operations.
Past claims and compliance experience
Written safety manuals and jobsite practices
Standard contracts and risk transfer language
Timely certificates and compliance tracking
Roofing, scaffolding and fall protection practices
Hiring practices and oversight of subs
Accurate payroll and proper classification
Driving records and vehicle safety policies
Frequency and severity of past claims
Leading cause of serious injuries and claims.
Damage to project sites or client property.
Employee injuries resulting in high claim costs.
Expensive tools and gear stolen from jobsites.
Vehicle accidents causing injury and damage.
Weather events and burst pipes can halt projects.
Typically General Liability, Workers’ Comp, Commercial Auto, and Tools Coverage, plus trade-specific add-ons.
No; it covers third-party damage, but not employee injuries, your vehicles, or stolen tools.
Yes, New York state law requires it for virtually all businesses with employees.
Yes, our team provides same-day COIs to keep your projects on schedule.
Yes, we help verify subcontractor COIs and structure proper risk transfer agreements.
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