Home repairs, rental turnovers or regular maintenance. An apartment building’s insurance request can be its own job. Get help checking the terms for the places and properties you work in. One broker, from quote to renewal.
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET
Compare coverage and price before you choose
Review new tasks, helpers and tools before the next job
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 employees 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 drills, saws and ladders 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 new tasks, helpers and tools before the next jobTell 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.
What New York handyman businesses ask before choosing coverage.
No. NYC’s Home Improvement Contractor requirements are local. Check each city or county where you plan to work, along with permits and any separately licensed trade. For insurance, disclose the actual locations and repair tasks. A building’s insurance request can add another set of requirements even when the licensing question is settled.
Check the city or county where each job takes place. In New York City, home improvement work costing more than $200 generally requires a DCWP Home Improvement Contractor license. That NYC rule is not a statewide handyman license or a substitute for trade licensing.
An apartment building’s management company may request insurance documents beyond those needed for a license. Send the work agreement and building requirements together. In NYC, DCWP requires specified workers’ comp evidence or a valid exemption; an ACORD certificate is not accepted as that proof.
Virtually all New York employers must provide workers’ compensation for employees. Working alone can raise different questions depending on business structure. Check owner treatment and any exemption before relying on it; hiring a helper may change the answer.
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