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Action Over Coverage is the premier choice for contractors and business owners navigating the complex litigation environment of the New York Metropolitan area. Founded in 2024 and headquartered at 20 Woodsbridge Road in Katonah, NY, we specialize in providing high-limit Action Over Insurance and comprehensive General Liability Insurance that meet the unique legal standards of New York State.
Our mission is to ensure that no business in our service area is crippled by an Action Over Insurance Exemption. By understanding the nuances of the "Scaffold Law" (Labor Law 240/241), we provide the protective shield your company needs to grow safely.
Action Over Insurance Bronx | Bronx County
The Bronx is currently a epicenter of new construction and urban redevelopment. Contractors in Bronx County face significant exposure to third-party action over claims due to the high volume of multi-family and commercial builds. We provide specialized Action Over Insurance ("services/action-over-insurance") that bridges the gap between standard liability and the actual risks found on a Bronx job site. Our policies are designed to satisfy the most stringent requirements of Bronx property owners and developers.
We are proud to serve the following Bronx communities: Baychester, Bedford Park, Castle Hill, City Island, Claremont, Concourse, Co-op City, Crotona Park East, Fieldston, Fordham Heights, Fordham Manor, Highbridge, Hunts Point, Jerome Park, Kingsbridge, Kingsbridge Heights, Longwood, Melrose, Morris Heights, Morris Park, Morrisania, Mott Haven, Mount Hope, Norwood, Parkchester, Pelham Bay, Port Morris, Riverdale, Soundview, The Grand Concourse, Throggs Neck, Tremont, University Heights, Van Cortlandt Village, Van Nest, West Farms, Westchester Square, Williamsbridge, and Woodlawn.
Action Over Insurance Queens | Queens County
In Queens County, diversity in project types—from industrial renovations in Long Island City to residential projects in Astoria—requires a versatile insurance strategy. Many standard policies marketed in Queens contain hidden exclusions that leave contractors vulnerable. We offer a detailed Action Over Coverage Explained (resource to help Queens business owners identify these risks and secure a policy that provides true peace of mind.
We are proud to provide expert insurance brokerage services to the following Queens communities: Arverne, Astoria, Astoria Heights, Bayswater, Bayside, Bay Terrace, Bellerose, Belle Harbor, Breezy Point, Broad Channel, Cambria Heights, Corona, College Point, Douglaston, East Elmhurst, Edgemere, Elmhurst, Far Rockaway, Floral Park, Flushing, Forest Hills, Fresh Meadows, Glen Oaks, Glendale, Hollis, Howard Beach, Jackson Heights, Jamaica, Kew Gardens, Kew Gardens Hills, Laurelton, LeFrak City, Little Neck, Long Island City (LIC), Maspeth, Middle Village, Neponsit, Oakland Gardens, Ozone Park, Pomonok, Queens Village, Rego Park, Richmond Hill, Ridgewood, Rockaway Beach, Rosedale, Roxbury, South Ozone Park, Springfield Gardens, St. Albans, Sunnyside, Whitestone, Woodhaven, and Woodside.
Action Over Insurance Manhattan | New York County
Operating in New York County requires a level of insurance sophistication that only a specialist can provide. Manhattan’s high-rise environment and major development projects carry astronomical liability risks. We provide Action Over Insurance Manhattan that allows contractors to meet high-limit contractual obligations while maintaining protection against the strict liability of New York Labor Laws. From Wall Street to Harlem, we are the trusted source for Manhattan liability solutions.
We are proud to provide elite insurance brokerage services to the following Manhattan communities: Battery Park City, Central Harlem, Chelsea, Chinatown, East Harlem (El Barrio), East Village, Financial District (FiDi), Flatiron District, Garment District, Gramercy Park, Greenwich Village, Harlem, Hell's Kitchen (Clinton), Inwood, Kips Bay, Little Italy, Lower East Side, Midtown, Morningside Heights, Morris Heights, Murray Hill, NoHo, SoHo, Theater District, TriBeCa, Upper East Side, Upper West Side, Washington Heights, West Harlem, and West Village.
Action Over Insurance Staten Island | Richmond County
Contractors in Richmond County often struggle to find brokers who understand the specific needs of the Staten Island market. We bring our localized expertise from Katonah, NY to the island, ensuring that local firms are protected from the devastating Action Over Insurance Exemption. Whether you are a small artisan contractor or a large firm, we have the specialized General Liability products your business deserves.
We are proud to provide expert insurance brokerage services to the following Richmond County communities: Annadale, Arden Heights, Arlington, Bay Terrace, Bloomfield, Bulls Head, Castleton Corners, Charleston, Clifton, Concord, Dongan Hills, Eltingville, Emerson Hill, Fort Wadsworth, Grasmere, Great Kills, Grant City, Grymes Hill, Huguenot, Livingston, Manor Heights, Mariners Harbor, Midland Beach, New Brighton, New Dorp, Oakwood, Pleasant Plains, Port Richmond, Prince's Bay, Richmond Valley, Rosebank, Rossville, St. George, Silver Lake, Stapleton, Sunnyside, Todt Hill, Tottenville, Travis, West Brighton, Westerleigh, Willowbrook, and Woodrow.
Action Over Insurance Kings County | Brooklyn
As one of the most active development hubs in the world, Kings County presents a high-risk environment for contractors and developers. From the high-rise residential towers in Williamsburg and DUMBO to commercial renovations in Bushwick, the risk of workplace accidents is a constant reality. We specialize in providing Brooklyn-based firms with Action Over Insurance that bridges the gap between standard liability and the actual risks found on a New York job site. Our team ensures that your General Liability Insurance is free from the dangerous Action Over Insurance Exemption that leaves so many firms vulnerable.
We are proud to provide elite insurance brokerage services to the following Brooklyn communities: Annandale, Bay Ridge, Bedford-Stuyvesant, Bensonhurst, Bergen Beach, Boerum Hill, Borough Park, Brighton Beach, Brooklyn Heights, Brownsville, Bushwick, Canarsie, Carroll Gardens, Clinton Hill, Cobble Hill, Coney Island, Crown Heights, Cypress Hills, Ditmas Park, Downtown Brooklyn, DUMBO, Dyker Heights, East Flatbush, East New York, Flatbush, Flatlands, Fort Greene, Fort Hamilton, Gerritsen Beach, Gowanus, Gravesend, Greenpoint, Kensington, Manhattan Beach, Marine Park, Midwood, Mill Basin, Navy Yard, Ocean Hill, Park Slope, Prospect Heights, Prospect Lefferts Gardens, Red Hook, Sea Gate, Sheepshead Bay, Sunset Park, Vinegar Hill, Williamsburg, and Windsor Terrace.
Action Over Insurance Westchester County | Katonah, NY
As our home base, Westchester County is a primary focus for our team. From our office at 20 Woodsbridge Road in Katonah, NY, we serve contractors in White Plains, Yonkers, and beyond. We combine the personal service of a local agent with the technical expertise of a city-wide brokerage. We ensure that every Westchester business has access to the same high-level General Liability Insurance used by the largest firms in the city.
We are proud to service all of your Action Over Insurance needs for Mount Vernon, New Rochelle, Peekskill, Rye, White Plains, Yonkers, Bedford, Cortlandt, Eastchester, Greenburgh, Harrison, Lewisboro, Mamaroneck, Mount Kisco, Mount Pleasant, New Castle, North Castle, North Salem, Ossining, Pelham, Pound Ridge, Scarsdale, Somers, Yorktown, Ardsley, Briarcliff Manor, Bronxville, Buchanan, Dobbs Ferry, Elmsford, Hastings-on-Hudson, Irvington, Larchmont, Pelham Manor, Pleasantville, Port Chester, Rye Brook, Sleepy Hollow (formerly North Tarrytown), Tarrytown, Tuckahoe, Armonk, Bedford Hills, Chappaqua, Crompond, Cross River, Croton Falls, Croton-on-Hudson, Goldens Bridge, Hartsdale, Hawthorne, Jefferson Valley, Katonah, Lincolndale, Mohegan Lake, Montrose, North White Plains, Pocantico Hills, Pound Ridge (Hamlet), Purcell, Shenorock, Shrub Oak, South Salem, Thornwood, Valhalla, Waccabuc, and Yorktown Heights.
Choosing the right insurance partner is critical to your company's survival in the New York market. Our team at Action Over Coverage is ready to provide a full audit of your current policy to ensure you are not at risk. Call us today at 914-729-5675 or visit our Free Quote page to get started.
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