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Welcome to the AOC Resources, your primary resource for navigating the complex world of insurance in New York City and Westchester County. At Action Over Coverage, based at 20 Woodsbridge Road in Katonah, NY, we believe that education is the first line of defense against specialized liability risks. Our resource page is dedicated to breaking down the technical "fine print" of Contractor Insurance so you can protect your business and satisfy the most demanding project requirements across the 5 Boroughs.
Understanding why your standard policy might not cover your most expensive risk is critical for any firm operating in Manhattan, Queens, or The Bronx. This post breaks down the mechanics of a "third-party over action" and how the New York "Scaffold Law" creates strict liability for owners and contractors.
Did you know that many General Liability Insurance policies contain a hidden exclusion that specifically denies coverage for claims involving your own employees? Learn how to identify an Action Over Insurance Exemption in your current policy and why removing it is essential for working with major NYC developers.
Our content strategy is designed to provide authoritative and localized answers to the most common questions facing New York businesses. In the coming months, we will be featuring articles on:
Borough-Specific Risk Profiles: Tailored insurance guides for Brooklyn (Kings County) and Staten Island (Richmond County).
Hold Harmless Agreements: Understanding indemnification and why it makes "Action Over" coverage mandatory.
Contractual Compliance: Checklists for satisfying the insurance requirements of New York's largest general contractors.
Policy Audit Case Studies: Real examples of how we helped local firms identify and fill dangerous coverage gaps.
Navigating the New York insurance market doesn't have to be a solo mission. Whether you're a new subcontractor in Westchester County or a veteran builder in New York City, our team is here to provide clarity. For a personalized review of your current risk profile, please use our Online Booking tool to speak with a specialist today.