New York's Contractor Insurance Specialists
Since 2012, Bedrock has focused on one thing: getting contractors the right coverage to stay compliant and keep working.
Built From the Ground Up for Contractors
Bedrock Insurance Advisors was founded in 2012 with a simple premise: New York contractors deserve a broker who actually understands construction. Our founders came from the construction insurance world and saw how general brokers mishandled contractor programs — wrong class codes, missing endorsements, COIs that took days instead of hours. We built Bedrock to fix that.
Today we serve contractors across the five boroughs and the tri-state area — from solo electricians to general contractors running large commercial projects. Our team is staffed by licensed producers with deep construction insurance backgrounds, and we maintain appointments with admitted and surplus lines carriers that specialize in writing contractor risk.
We operate from 1 Liberty Plaza in Lower Manhattan, steps from the carriers and adjusters who handle your claims. When a Labor Law claim hits, we're not chasing emails — we're in the room.
Key Milestones
Meet Your Producers
Our licensed producers combine deep construction industry knowledge with decades of insurance expertise to deliver the right coverage programs for your trade.
Thomas Reilly
Managing Partner
18 years in construction insurance. Former VP at a national brokerage. Specializes in GC programs, Wrap-Ups/OCIPs, and excess liability for high-hazard trades. Licensed in NY, NJ, CT, and PA.
Sarah Vasquez
Senior Producer
12 years focused on subcontractor and artisan trade programs. Handles Workers' Comp placements through NYSIF and private carriers. EMR specialist with a track record of reducing modification factors for mid-size subs.
Michael Kowicki
Surplus Lines Director
15 years in commercial insurance, 10 in surplus lines. Places hard-to-write classes including demolition, structural steel, and facade restoration through ELANY-authorized markets. Former underwriter at a Lloyd's syndicate.
How We Work With Contractors
We start by understanding your trade, your crew, and your contracts. What jobs are you bidding? What does the GC require? What's your loss history look like? We do a full exposure analysis before we go to market.
When we submit to carriers, we package your risk properly — complete ACORD applications, loss runs, supplemental narratives, and safety documentation. This front-end work is why our contractors get better terms and lower premiums than they were paying before.
After binding, we handle your COIs, endorsements, and claims. When a Workers' Comp or Labor Law claim comes in, our producers work directly with the carrier's adjusting team to manage reserves and push for early closures — protecting your EMR and keeping your bids competitive.
Regulatory Information
Brokerage License
Bedrock Insurance Advisors, LLC is licensed as an insurance broker by the New York Department of Financial Services under License No. PC-1798642. Our license can be independently verified through the DFS Insurance Company and Licensee Search portal.
Surplus Lines Authority
Surplus lines placements are filed in accordance with NY Insurance Law Article 21 through the Excess Line Association of New York (ELANY). Tax stamping and filing documentation maintained for all non-admitted carrier placements.
Professional Associations
Professional Insurance Agents of New York (PIANY)
Independent Insurance Agents & Brokers of New York (IIABNY)
Excess Line Association of New York (ELANY)
Errors & Omissions Coverage
Bedrock maintains professional liability (E&O) coverage with limits of $2,000,000 per claim / $4,000,000 aggregate through a nationally rated carrier. Proof of coverage available upon request.