Top 10 Property and Causality Insurance for Construction Companies
Protect your projects, people, and equipment with top-tier property and casualty coverage.
These trusted insurers offer tailored solutions to manage risk and ensure business continuity in New York’s dynamic construction landscape.
FEATURED PROPERTY AND CAUSALITY INSURANCE FIRMS
Travelers Insurance
One of the nation’s largest commercial P&C insurers, offering tailored construction coverage like general liability, workers’ comp, builder’s risk, and professional liability. Known for on-site risk teams and industry-specific claim services.
Location: Statewide (NYC HQ)
Website: travelers.com
Contact: See “Business Insurance” or your local agent
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Chubb
Global P&C leader offering extensive construction insurance: general liability, workers’ comp, commercial auto, umbrella, and pollution liability, with strong financial backing and comprehensive claims support.
Location: Statewide
Website: chubb.com
Contact: Use online contact form or local brokers
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The Hartford
Specializes in contractor-focused policies (general liability, builder’s risk, workers’ comp) with built-in risk control, loss prevention, and business income coverage.
Location: Statewide
Website: thehartford.com
Contact: Via site or local agents.
Liberty Mutual
Offers a full range of construction coverages including property damage, workers’ comp, builder’s risk, and environmental liability, supported by tailored risk management services.
Location: Statewide
Website: libertymutual.com
Contact: Local NY-based branch or brokers
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Zurich North America
Provides customizable contractor insurance like builder’s risk, general liability, workers’ comp, and inland marine—strong in commercial and large-scale residential.
Location: Statewide
Website: zurichna.com
Contact: Contractor solutions team
American Empire Insurance Company
Specializes in high-risk construction lines, offering general liability, auto, comp, umbrella, and builder’s risk policies for complex and hazardous operations.
Location: Statewide (via agents)
Website: americanempire.com
Contact: Local agents/brokers
Markel
Focuses on environmental and specialty trade contractors, providing general, pollution, and professional liability with creative underwriting solutions.
Location: Statewide
Website: markel.com
Contact: Construction lines via brokers
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Main Street America Insurance
Offers small- to mid-sized contractor policies: general liability, comp, commercial auto, builder’s risk, BOPs, and identity protection.
Location: Statewide
Website: mainstreetamerica.com
Contact: Online or through local agents
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Gotham Insurance Company
NY-based insurer tailored for residential contractors, with GL and umbrella coverage; rating based on project size to avoid audit surprises.
Location: NYC Metro
Website: via brokers
Contact: Local agents
Social: – blakeinsurancegroup.com
Merchants Insurance Group
Regional NY P&C insurer providing commercial insurance for contractors, including general liability, comp, and commercial auto—hands-on local service.
Location: Buffalo HQ, offices via Hauppauge (LI)
Website: merchantsgroup.com
Contact: 250 Main St, Buffalo, NY
