From the job description to the jobsite.
No two contracting businesses operate exactly alike. Tell us what you build, repair, or install; where you work; and whether you use employees or subcontractors.
Liability and contract requirements
Review general liability needs alongside the insurance language in your contracts. Share additional-insured requests and limits before work begins.
Tools, equipment, and projects
Tell us what you own, rent, and transport. Ask which coverage options may fit equipment or work in progress; do not assume a liability policy covers them.
People and paperwork
Discuss workers’ compensation for your operation and provide accurate payroll information. Have certificate requirements ready for review.
These are topics to discuss, not a statement of coverage. Available options depend on the property or operation, underwriting, and the specific policy. Review limits, exclusions, and deductibles before choosing coverage.
What is action over / labor law coverage?
If an injured worker sues a property owner or general contractor, that party may seek to pass liability back to the worker’s employer. This is often called an action-over claim. New York Labor Law can create additional injury-related exposure for owners and contractors.
Your general liability policy may limit or exclude these claims. Ask J&B to review your job requirements, contracts, and policy exclusions to determine whether appropriate coverage is available. Workers’ compensation alone does not resolve every liability exposure.