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New York Contractors Insurance
Tools & Equipment Coverage

Manhattan NY Contractors Inland Marine Insurance

Solutions to Protect Against a Catastrophic Claim

Contractor General Liability Insurance policies generally include some coverage for hand tools and that limit can normally be increased for a nominal fee. If you choose to cover $5000 worth of your hand tools but do not want to specifically describe them you can do this on your contractor's general liability policy. Typically there is a maximum per tool under this coverage. Since you have not specifically described the equipment, this is called unscheduled inland marine property insurance.

If you have more specific equipment with a greater value, you must specifically describe it: 2006 Kubota Skid Steer Serial #KB126456 - purchased used $19,000 value. Because you and the insurance company have now specifically described the property to be insured, this is called scheduled inland marine property coverage.

Some Good News For Our Contractor Clients

With many insurance companies, when you add more than one line of insurance with another - here commercial general liability and inland marine - you have created a contractors package policy. The good news is that most insurance companies will allow their underwriters to credit or reduce the premium on package policies. It is possible that you could add coverage and actually reduce your insurance premiums.

Just like with some many things - knowledge is power. Now you know.

Call us at (888) 901-7222 or contact us for answers to your New York Excess Risk Insurance questions.

NY Contractors Insurance offered for virtually all contractors in these areas
Manhattan NY Downtown Manhattan NY Lincoln Square - Manhattan NY Radio Row - Manhattan NY
Downtown Manhattan NY East Harlem NY Little Brazil - Manhattan NY Randall's Island - Manhattan NY
Midtown Manhattan NY Flatiron District - Manhattan NY Little Germany - Manhattan NY Rockefeller Center - Manhattan NY
Uptown Manhattan NY Flower District - Manhattan NY Little Italy - Manhattan NY Roosevelt Island - Manhattan NY
East Side Manhattan NY Fort George - Manhattan NY Loisaida - Manhattan NY Rose Hill - Manhattan NY
West Side Manhattan NY Garment District - Manhattan NY Madison Square - Manhattan NY San Juan Hill - Manhattan NY
  Gramercy - Manhattan NY Manhattan Valley - Manhattan NY Silk Stocking District - Manhattan NY
Alphabet City - Manhattan NY Gramercy Park - Manhattan NY Manhattanville NY SoHo - Manhattan NY
Astor Row - Manhattan NY Greenwich Village - Manhattan NY Marcus Garvey Park - Manhattan NY South Street Seaport - Manhattan NY
Battery Park City - Manhattan NY Hamilton Heights - Manhattan NY Meatpacking District - Manhattan NY Spanish Harlem NY
Bloomingdale District - Manhattan NY Harlem NY Midtown - Manhattan NY Strivers' Row - Manhattan NY
Bowery - Manhattan NY Hell's Kitchen - Manhattan NY Midtown East - Manhattan NY Stuyvesant Town - Manhattan NY
Brookdale - Manhattan NY Herald Square - Manhattan NY Midtown West - Manhattan NY Sugar Hill - Manhattan NY
Carnegie Hill - Manhattan NY Hudson Heights - Manhattan NY Morningside Heights - Manhattan NY Sutton Place - Manhattan NY
Central Harlem NY Hudson Yards - Manhattan NY Mount Morris Historical District - Manhattan NY Tenderloin - Manhattan NY
Chelsea - Manhattan NY Inwood - Manhattan NY Murray Hill - Manhattan NY Theater District - Manhattan NY
Chinatown - Manhattan NY Kips Bay - Manhattan NY NoHo - Manhattan NY Times Square - Manhattan NY
Columbus Circle - Manhattan NY Koreatown - Manhattan NY Nolita - Manhattan NY Toy District - Manhattan NY
Cooperative Village - Manhattan NY Le Petit Senegal - Manhattan NY Peter Cooper Village - Manhattan NY TriBeCa - Manhattan NY
Curry Hill - Manhattan NY Lenox Hill - Manhattan NY Photo District - Manhattan NY Tudor City - Manhattan NY
Diamond District - Manhattan NY Liberty Island - Manhattan NY Polo Grounds - Manhattan NY Turtle Bay - Manhattan NY
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