PRK Insurance Agency Inc

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Comprehensive Construction Insurance Coverage

Protect your construction projects with tailored insurance policies designed for the construction industry. From liability to equipment coverage, ensure your projects are safeguarded against unexpected risks and delays.

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Frequently Asked Questions (FAQs) - Construction Insurance in New York

What is construction insurance?

Construction insurance provides a range of coverages designed to protect construction projects, companies, and workers from various risks, including property damage, liability claims, and employee injuries.

What does construction insurance cover?

Construction insurance typically includes general liability, builders risk, workers' compensation, commercial auto, equipment coverage, and contractor’s professional liability.

Is construction insurance required in New York?

While not all types of construction insurance are legally required, certain coverages such as workers' compensation and general liability are mandatory. Additionally, many clients and contracts may require specific insurance coverages.

What is builders risk insurance?

Builders risk insurance covers property damage to buildings under construction, including materials, fixtures, and equipment. It protects against risks such as fire, theft, vandalism, and certain weather events.

What should I do if there is a claim on my construction site?

If there is a claim on your construction site, report the incident to your insurance company as soon as possible. Document the damage or incident with photos and keep records of any related expenses.

Does construction insurance cover subcontractors?

General liability and workers' compensation policies typically cover subcontractors, but it’s important to verify this coverage and ensure subcontractors have their own insurance policies.

Can I get discounts on construction insurance?

Yes, insurers may offer discounts for implementing safety programs, having a strong safety record, bundling multiple policies, and maintaining a claims-free history.

How can I lower my construction insurance premium?

You can lower your premium by increasing your deductible, implementing comprehensive safety and risk management programs, maintaining a claims-free history, and regularly reviewing your coverage to ensure it matches your needs.

What additional coverages should I consider for my construction business?

In addition to standard coverage, you might consider adding pollution liability, inland marine coverage, surety bonds, and higher liability limits to ensure comprehensive protection.

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