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Standard General Liability Insurance often includes hidden language that strips away your protection at the exact moment you need it.
Action Over Exclusions: These endorsements specifically remove coverage for claims where a third party (like a GC) is sued by your injured employee and then brings an "action back" against you.
Employee Injury Exclusions: While GL is meant for third parties, some insurers broaden this exclusion to include "any employee" of a subcontractor, leaving you exposed if your subs' workers are injured.
The Hammer Clause: This gives the insurance company leverage to force you into a settlement. If you refuse to settle, your coverage may be reduced to the settlement amount, leaving you to pay the difference out of pocket.
Height Restrictions: Many "standard" policies in Queens or Westchester exclude work performed above a certain height, such as 15 feet or two stories—making them useless for most New York City construction.
Establishing authority in Katonah, NY means we look deeper than the Certificate of Insurance (COI). To verify you are truly covered, you must review the Endorsement Schedule for phrases such as "Exclusion of Injury to Employees, Contractors, and Employees of Contractors".
Action Over Coverage provides a specialized evaluation of your risk profile to ensure these "silent" exclusions aren't lurking in your policy.