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Action Over Coverage:
Founded in 2024 and headquartered at 20 Woodsbridge Road in Katonah, NY, Action Over Coverage was established to solve a critical crisis facing the New York construction industry: the devastating "Action Over" exclusion. In the 5 Boroughs and Westchester County, standard General Liability Insurance often contains hidden exemptions that leave contractors entirely unprotected against "Scaffold Law" claims.
At Action Over Coverage, we specialize in identifying these "silent" exclusions before they ruin a business. We provide the mandatory Action Over Insurance required for commercial building permits and contracts in the New York Metropolitan area, ensuring our clients can bid with confidence and operate with security.
Our Mission & Purpose
Our mission is simple: To eliminate the massive coverage gaps created by New York’s unique strict-liability statutes. We exist to protect the livelihood of General Contractors and Subcontractors by providing fully compliant policies that satisfy the most rigorous demands of property owners and general contractors across Manhattan, Queens, The Bronx, and beyond.
Why Choose Action Over Coverage?
Specialized Expertise: We understand the technical mechanics of Action Over Coverage Explained better than generalist agents.
Localized Focus: Based in Katonah, NY, we have our fingers on the pulse of the New York construction market and its evolving legal risks.
Contractual Compliance: We provide the Certificate of Insurance (COI) required to access high-value commercial contracts and obtain building permits.
Risk Mitigation: Our team identifies Action Over Insurance Exemptions in prospective policies, preventing six- and seven-figure uninsured losses.
Whether you are an electrician in Staten Island, a roofer in Brooklyn, or a developer in Westchester County, your business deserves protection that is as robust as your work. Our team is dedicated to providing transparent, expert guidance to help you navigate the "Contractor’s Coverage Crisis" and secure the future of your firm.
Action Over Coverage ® is a registered trademark. We are an independent specialist agency serving the New York Metropolitan area from our headquarters in Katonah, NY.
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