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In the high-stakes world of New York construction and commercial business, "standard" insurance is often insufficient. Action Over Coverage, based at 20 Woodsbridge Road in Katonah, NY, provides specialized insurance products designed to withstand the unique rigors of the New York legal system. We focus on protecting our clients from the most expensive risks in the industry, specifically those arising from New York Labor Laws 240 and 241.
Whether you are a subcontractor in The Bronx, a developer in Manhattan, or a business owner in Westchester County, our services are engineered to provide total protection. Explore our primary service offerings below to learn how we secure your company’s future.
Our flagship product, Action Over Insurance, is a necessity for any contractor working in the 5 Boroughs. This specialized coverage protects employers when an injured worker collects workers' compensation and then sues a third party (such as a property owner), who in turn sues the employer for indemnification.
Without this specific coverage, most businesses are left completely exposed due to the common Action Over Insurance Exemption found in basic policies. We ensure that your policy is "Action Over" inclusive, satisfying the strict requirements of major NYC general contractors and property owners.
We provide robust General Liability Insurance that serves as the foundation of your business’s risk management program. Also known as Commercial General Liability, this coverage protects your firm against claims of bodily injury to non-employees, property damage, and personal or advertising injury.
In Queens, Staten Island, and Westchester, we tailor these policies to include the necessary endorsements for your specific trade. Our team performs a detailed SEO evaluation of your risk profile to ensure your Contractor Insurance is both affordable and comprehensive. By combining your GL policy with our "Action Over" expertise, you create a bulletproof shield for your business assets.
Operating out of our Katonah, NY headquarters, we offer a level of specialization that generalist brokers cannot match. We understand that a single Action Over Insurance Exemption can lead to business bankruptcy in the event of a major lawsuit. Our goal is to provide Action Over Coverage Explained so that our clients are the most informed and best-protected professionals in the industry.
Don't wait for a claim to find out you have a gap in your coverage. Call Action Over Coverage today at 914-729-5675 for a professional policy audit. We are proud to serve all of New York City and Westchester County.