Contractor Insurance
in New York
Get Affordable, Trade-Specific Contractor Insurance in New York
Navigating New York’s contractor insurance requirements can be a hassle, especially with local licensing rules and job site risks that vary from NYC to upstate.
That’s why ACI makes it easy for general contractors, roofers, electricians, and other skilled trades to get the right coverage at the right price.
Why Contractors in New York Choose ACI
Local Expertise
We understand New York’s complex insurance laws and licensing rules.
Same-Day Certificates
Get fast proof of coverage to keep your jobs moving.
Flexible Payment Plans
Choose payment options that work for your cash flow.
Bundled Savings
Save up to 25% by combining policies like GL and workers’ comp.
Insurance Coverage We Offer in New York
We offer a full suite of contractor insurance policies built to protect your tools, team, and trade.
- General Liability Insurance
Covers third-party injuries or property damage caused by your work—often required for licensing and contracts.
- Workers’ Compensation Insurance
Mandatory in New York for most businesses with employees. Covers medical bills and lost wages if your team gets injured.
- Commercial Auto Insurance
Protects vehicles used for business, including trucks, vans, and trailers hauling tools or materials.
- Tools & Equipment Insurance
Covers repair or replacement costs for tools that are stolen, lost, or damaged on the job.
- Builder’s Risk Insurance
Short-term coverage for buildings under construction, including materials, supplies, and labor.
- Professional Liability Insurance
Protects against claims of design errors, project delays, or professional mistakes—ideal for subcontractors or design-build firms.
Who We Cover in New York
We work with licensed and unlicensed contractors across the Empire State, from sole proprietors to midsize crews.
We serve:
- General Contractors
- Electricians
- Plumbers
- Roofers
- HVAC Contractors
No matter your trade or the size of your crew, ACI delivers contractor insurance built to protect your business every step of the way.
How Much Does Contractor Insurance Cost in New York?
Your contractor insurance rate in New York isn’t one-size-fits-all. It’s based on the specific risks you face, the type of work you do, and the level of protection you choose. Understanding what drives your premium can help you plan smarter and save more on coverage.
Cost Factors
- Type of Work
High-risk trades (like roofing) typically pay more than low-risk roles (like painting).
- Business Size
The more employees or projects you handle, the more coverage you may need.
- Coverage Limits
Higher policy limits offer more protection but come with higher premiums.
- Claims History
A clean safety record can help you qualify for lower rates.
- Location
Urban areas like NYC may see higher premiums than rural parts of the state.
Want a clear price for your business? Get a fast, custom quote built for your trade.
New York Contractor Insurance Requirements
General Liability Insurance
Many cities, including NYC, require liability coverage to apply for or renew your contractor license, required for most licenses.
Workers’ Compensation Insurance
If you have employees, even part-time or family, you must carry workers’ compensation in New York, required for most employers.
Commercial Auto Insurance
Any vehicle used for your business must be insured with a commercial policy.
Requirements vary by trade and location. Contact us for personalized guidance.
Get a Free Contractor Insurance Quote
in New York
Need coverage fast? We’ll help you find the best-fit policy for your trade and location—with no hidden fees or sales pressure.