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Action Over Coverage
Defending New York Businesses Against Strict Liability
In the aggressive legal climate of the New York construction industry, a standard insurance policy is often a liability in itself. Action Over Coverage, established in 2024 and headquartered at 20 Woodsbridge Road in Katonah, NY, was founded to solve a specific, high-stakes problem: the multi-million dollar gap created by the New York Labor Law.
Operating in the 5 Boroughs—The Bronx, Manhattan, Queens, Brooklyn, and Staten Island—requires a sophisticated understanding of "Action Over" claims. We provide specialized Action Over Insurance designed to protect contractors when an injured employee bypasses workers' compensation limits by suing a third-party property owner, who then seeks full indemnification from you.
Why General Liability Alone is Insufficient
Many contractors mistakenly believe their General Liability Insurance provides a total safety net. However, most standard market policies now include a devastating Action Over Insurance Exemption. This technical exclusion removes your insurer's obligation to defend you in third-party suits involving your own employees.
At Action Over Coverage, we don't just sell policies; we conduct a rigorous evaluation of your current risk exposure. We ensure your coverage is "Labor Law compliant," allowing you to satisfy the insurance requirements of the most demanding New York City developers and general contractors.
Our Specialized Service Areas
We bring Manhattan-level expertise to every corner of the region. Our localized knowledge ensures that whether you are in Richmond County, Kings County, or Westchester County, your policy is tailored to the specific underwriting requirements of that jurisdiction.
The Action Over Coverage Advantage
To compete in today's market, you need an authoritative partner who understands the "Scaffold Law" (Labor Law 240/241) as well as any attorney. We provide Action Over Coverage Explained in plain English, backed by the specialized products necessary to keep your wheels turning.
Don't leave your company’s future to the fine print of a standard policy. Our team in Katonah, NY is ready to review your current insurance portfolio for hidden exemptions. Protect your assets, your employees, and your reputation with the specialists at Action Over Coverage. Call us today at 914-729-5675 or visit our Free Quote page to receive a comprehensive coverage analysis.
Action Over Coverage © 2024. All insurance products, including Commercial General Liability and Contractor Insurance, are subject to individual risk assessment and underwriting approval. Please see our Terms of Use for legal disclaimers.
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