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The Mandated Commercial Liability Insurance for General Contractors and Subcontractors Working in the New York Metropolitan Area. We specialize in finding you the best policy with the broadest coverage.
Required for Commercial Building Permits & Contracts in NYC, Long Island, Westchester, and North Jersey.
If you are a General Contractor or Subcontractor with employees in the NYC Metro Area, you already know that most commercial projects demand a specific type of liability insurance known as Action Over Coverage or Third-Party Action Over.
Standard General Liability (GL) policies often include a dangerous "Action Over Exclusion." This exclusion means your policy will NOT cover you if an employee or sub-contractor’s employee is injured, sues the property owner/GC (due to unique NY Labor Law), and that liability is legally "passed back" to you via contract.
This massive gap exposes your business to:
Million-dollar lawsuits under the stringent New York Scaffold Law ($\S\S 240/241$).
Defense costs paid entirely out-of-pocket, even if you win.
The inability to bid on profitable commercial contracts in the region.
At ActionOverCoverage.com, we connect you with specialized brokers who understand the complexity of New York’s unique strict-liability statutes. We find you the required Commercial General Liability policy without the crippling Action Over Exclusion.
Access Commercial Contracts
Obtain the required Certificate of Insurance (COI) that satisfies the strict demands of property owners and general contractors. No more rejected bids due to inadequate coverage.
Lower Your General Liability Rate
Our exclusive broker network specializes in finding contractors the most competitive rates available for their General Liability (GL) policy, even with the required Action Over Coverage included.
Full Protection Against NY Labor Law
Your policy will cover defense and indemnity for the specific, high-risk Action Over Claims that arise from New York’s strict liability rules (Scaffold Law).
Fast, Expert Quote Process
Stop wasting time with agents who don't understand New York construction risk. Our process is quick and handled by experts who know how to secure this highly specialized coverage.
This insurance is not optional for your business growth in the NYC region. If you are any of the following, you are required to carry this coverage to work on commercial projects:
General Contractors (GCs)
Construction Managers
Subcontractors (including electricians, plumbers, HVAC, framers, roofers, painters, etc.)
Contractors with W-2 employees or 1099 independent contractors
Don't let a gap in your General Liability insurance put your entire business at risk. Securing Action Over Coverage is the most critical step a New York-area contractor can take.
Get a free quote today and discover how much you can save while getting the full coverage mandated for your business.