Home builds, occupied renovations or commercial fit-outs. A city permit and an owner’s contract can ask for different things. Get coverage reviewed for the places you build and the crews on site. One broker, from quote to renewal.
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Compare coverage and price before you choose
Review coverage as projects, crews and subcontractors change
New York requirements. One broker to help.
Markets we place through.
Protect the work, the people and everything it takes to get the job done. We’ll help you choose what fits.
Your work
LiabilityHelp protect your business when your work injures someone else or damages their property. Check protection for claims that arise after the job is finished.
Your people
State rulesHelp your crew get medical care and wage benefits after a covered work injury. We help you check state rules and customer requirements.
Your vehicles
On the roadProtect the driving behind the work. Review liability, vehicle damage and the use of hired or employee-owned vehicles separately.
Your equipment
On the jobHelp protect the equipment you depend on. Check how your tools, trailers and rented equipment are covered at the shop, in transit and on the job.
For your next New York job and the changes after it, you have someone to call.
New York licensing and customer requirements checked togetherLimits and endorsements explained before you chooseCertificates issued from the policy as writtenHelp resolving the insurance questions holding up a jobNew York licensing and customer requirements checked togetherLimits and endorsements explained before you chooseCertificates issued from the policy as writtenHelp resolving the insurance questions holding up a jobReview coverage as projects, crews and subcontractors changeTell us when you add a new kind of workWe coordinate requested changes with the carrierYour coverage reviewed as the business changesHelp reporting what happened to the carrierYour photos and job details organizedSomeone to call about the next stepFollow-up support while the carrier reviews the claimYour current policy and business changes reviewed togetherAvailable options compared on coverage and priceDifferences explained before you decideStay or switch. The choice is yoursYour license, customer contract and insurance each do a different job. We help you check how they fit together.
Already insured? Send it once. We compare it with today’s options.
Guide
New York disability and Paid Family Leave→How these employee protections differ from workers’ compensation.Guide
Subcontractor insurance checklist→What to collect, what to verify and what a certificate cannot promise.Guide
What changes your quote→Project scope, payroll, subcontractor costs and the terms behind the price.What New York general contractors ask before choosing coverage.
No. NYC identifies different registration paths for new buildings, alterations, demolition and other work. Residential work may also require a home improvement contractor license. Outside NYC, check the local authority. Tell your broker where you will work and what the project involves so the insurance review follows the actual requirements, not a generic New York checklist.
Check contractor licensing and registration in each city or county where you work. NYC requirements vary by the work: general contractor registration, safety registration or a home improvement contractor license may be relevant. NYC rules are not statewide rules.
Virtually all New York employers must carry workers’ compensation for their employees. Disability benefits and Paid Family Leave are separate coverage questions, not benefits automatically supplied by a workers’ comp policy.
NYC’s general contractor registration requires liability and employee-coverage evidence. Other registrations, permits and owner contracts can ask for different documentation. Confirm the requirements for the actual project and municipality. Bring the owner’s insurance exhibit before the bid so required limits and endorsements can be compared with the policy.
There is no single price for every New York contractor. Your work, payroll or revenue, vehicles, claims history and coverage choices affect the quote. Two businesses in the same state can need different protection and pay different amounts. Riza helps compare available options, including limits, exclusions, deductibles and payment terms, so the monthly price is not the only thing you see. Tell us about your business or bring your current policy to start the conversation.
Yes. Bring your current policy and tell us what has changed in the business, whether that is more people, different jobs, new vehicles or a customer asking for higher limits. We help compare available options on coverage and price and explain the differences. You can decide whether to stay or switch. If you change policies, confirm the new coverage is effective before cancelling the old one so you do not create an unintended gap.
Tell us about your New York business, or bring your current policy. We’ll help you see your options.
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET