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. Your coverage should reflect the work you do, the equipment you use, and the requirements of your contracts. 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 help you find coverage that fits the trade you do and the way you do it. If you plow or salt in winter, disclose those operations and confirm coverage before taking jobs. Ask us to review liability, commercial vehicle and equipment coverage, and any snow-removal exclusions.
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
Coverage to consider for your business.
Use these as a starting point for a conversation. We will help you review which coverages fit your operation.
General Liability
Covers third-party bodily injury and property damage claims. General contractors and property owners often require a certificate showing this coverage before work begins.
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 liability and business property into one policy for smaller trade businesses. We can help you compare the coverage and cost with separate policies.
Umbrella / Excess Liability
Adds a layer of liability protection above your other policies for covered claims that exceed their limits.
Local guidance
Help understanding your options.
We are an independent, family-owned Buffalo agency that has insured Western New York since 1952. We compare coverage from many companies, including The Hartford, and help you understand how the options fit your trade, contracts, and budget. Your local agent is here to answer questions as your work changes.
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and more through our agency network.