Commercial Insurance
Contractors & Trades insurance.
Insurance for the WNY crews who build it, fix it, and finish it.
Who we cover
You are on a roof in February, in a customer's basement, or driving a loaded truck across three job sites in a day. The work is real and so are the risks, and the wrong coverage gap can cost you a job or your business. We insure general contractors, electricians, plumbers, HVAC techs, roofers, landscapers, and remodelers all across Western New York, from Buffalo and the Southtowns out to Niagara County. We will sit down, learn how your operation actually runs, and build coverage that fits the trade you do and the way you do it.
Risks we see in WNY
- A customer or passerby injured on the job site
- Property damage to a client's home or building during the work
- Tools, equipment, and materials stolen from a truck or site
- A worker hurt on the job, from a fall to a back injury
- Lake-effect snow, ice, and freeze damage stalling outdoor work
- Faulty workmanship or callback claims after a project wraps
- An accident in a loaded work truck or trailer
- A general contractor requiring proof of coverage to win the bid
Coverage that fits
What contractors & trades typically need.
A starting point, not a checklist. We tailor the right mix to your actual operation.
General Liability
Covers third-party bodily injury and property damage claims, and it is the certificate most WNY general contractors and property owners demand before you set foot on the site.
Workers' Compensation
Required in New York if you have employees, and it covers medical bills and lost wages when a crew member is hurt on the job.
Commercial Auto
Protects the trucks, vans, and trailers you use to haul crew, tools, and materials between job sites across the region.
Tools & Equipment (Inland Marine)
Replaces the gear that gets stolen off a truck or damaged on a site, including the expensive equipment a standard policy leaves out.
Contractor's Business Owners Policy
Bundles your liability and business property into one policy built for smaller trade outfits, often simpler to manage and easier on the budget.
Umbrella / Excess Liability
Adds a layer of protection above your other policies for the larger claim or lawsuit that could otherwise sink the business.
The Willoughby difference
One agent. Many markets. Your side of the table.
We are an independent, family-owned Buffalo agency that has insured Western New York since 1952, so we shop your coverage across many companies, including newer appointments like The Hartford, instead of forcing you into one carrier's box. You get a local agent who knows the trades and answers the phone, not a call center.
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