Contractors face unique risks on every jobsite. PRK Insurance Agency, Inc. helps you compare coverage options and build an insurance plan that protects your business, crews, equipment, and contracts.
Construction insurance is a group of policies that help protect contractors from jobsite risks like injuries, property damage, equipment loss, and contract related requirements.
General liability helps cover third party injury and property damage claims, plus legal defense costs. It’s one of the most common requirements for contractors and subcontractors.
Workers’ comp helps cover medical costs and lost wages if an employee is injured on the job. In many cases, it’s required in New York depending on your business setup.
If you use trucks, vans, or vehicles for business, commercial auto helps protect your drivers, vehicles, and liability while on the job or traveling to job sites.
Contractors often need coverage for tools and equipment, including theft or damage while stored, transported, or at a jobsite. Coverage options vary by the type of gear.
Many jobs require proof of coverage, additional insured status, and specific limits. We help you set up policies correctly and provide certificates as needed.
Construction coverage needs to match the real work you do and the contracts you sign. Since 2004, PRK Insurance Agency, Inc. has helped New York contractors compare trusted options and avoid coverage gaps that can delay projects or create liability risk. Based in Melville, NY, our team provides clear guidance, responsive support, and insurance built around your trade and jobsite exposure.
Get clear answers to common construction insurance questions, including what coverage you may need, what’s required for contracts, and how to protect your business on the job in New York.
It depends on your work, contracts, and business structure. Many contractors need general liability, and many also require workers’ compensation, commercial auto, and tools coverage.
Many job sites, clients, and contractors require proof of general liability insurance before you can start work. It helps protect against third party claims.
In many cases, yes, especially if you have employees. Requirements vary by business structure and operations, and we can help you confirm what applies.
Subcontractors often need their own coverage. Some policies can be structured for certain risks, but coverage depends on contracts and policy terms.
A COI is proof of insurance showing your coverage and limits. Many clients require a COI and may ask to be listed as an additional insured.
Additional insured status extends certain liability protection to a client or contractor, usually required by contract for jobsite work.
Tools and equipment often need separate coverage to protect against theft or damage. We can help you add the right option based on what you use and where it’s stored.
General liability may help cover damage to someone else’s property caused by your work, depending on the situation and policy terms.
Commercial auto can cover business use vehicles and liability. Coverage depends on the vehicle type, usage, drivers, and policy options.
Cost depends on trade type, payroll, revenue, claims history, coverage limits, and risk exposure. We help you compare options and find the best fit.
Yes. PRK Insurance Agency, Inc. helps New York contractors compare coverage options and get certificates and quotes quickly, with clear guidance and responsive support.
