Get Your Insurance Quote
Tell us about your trade and we'll get you a market indication within one business day.
Coverage for Every Type of Contractor
Whether you're a one-man operation or a 200-crew GC, we structure insurance programs that meet GC requirements, job site mandates, and NY Labor Law compliance.
General Contractors
Full-line programs for GCs managing multi-trade jobsites. GL with per-project aggregate, Workers' Comp, Umbrella up to $25M, and Wrap-Up/OCIP coordination. Coverage structured to satisfy owner contracts and meet NYC DOB permit requirements.
View GC CoverageSubcontractors & Artisan Trades
Electrical, plumbing, HVAC, carpentry, masonry, painting, drywall, flooring, roofing, and more. We get you the GL, Workers' Comp, and endorsements that GCs require — Additional Insured, Primary & Non-Contributory, Waiver of Sub — so you can get on the job.
View Sub CoverageSpecialty & High-Risk Trades
Demolition, structural steel, iron work, excavation, scaffolding, and facade restoration. These trades face the highest NY Labor Law §240/§241 exposure. We access surplus lines markets and specialist carriers that standard brokers can't.
View Specialty CoverageWe Understand the Jobsite
-
Same-Day COI Turnaround
Need a certificate to get on a job tomorrow? Standard COI requests received during business hours are issued same-day. ACORD 25 with Additional Insured, Primary & Non-Contributory, and Waiver of Sub.
-
NY Labor Law Specialists
Scaffold Law (§240), construction safety (§241), and Action Over claims are what we deal with every day. We structure programs and excess layers specifically to handle the absolute liability exposure unique to New York.
-
We Fight for Your EMR
Your experience modification factor directly affects what you pay for Workers' Comp. We monitor reserves, coordinate with claims adjusters, and push for early closures to keep your EMR low and your bids competitive.
-
GC-Ready From Day One
We know what GCs and property owners require. Your policy is structured with the right endorsements from binding — no scrambling when you win a contract and need proof of coverage yesterday.
Trusted by Contractors Across New York
“We needed a COI with Additional Insured endorsements for a Manhattan high-rise job — Bedrock had it to the GC within two hours. They've handled our GL and Workers' Comp renewals for three years now and the rates keep getting better.”
“Our EMR was at 1.3 and killing us on bids. Bedrock went through every open claim, pushed adjusters to close reserves that were inflated, and got us down to 0.89 in one cycle. That alone saved us over $40K on our Workers' Comp premium.”
“When no one else would touch our demolition and structural steel work, Bedrock found us coverage through the surplus lines market. They understand high-risk trades and know the carriers that will actually write these class codes in New York.”