Is Your Construction Business Properly Insured? 5 Common Coverage Gaps to Avoid

Serving Port Jervis and Orange County, NY

In the construction world, risks are part of the job—from job site injuries to stolen equipment and weather delays. But too many construction companies assume their standard insurance policy is enough—until something goes wrong.

At Quick Insurance, we specialize in helping New York contractors and construction businesses identify and fill the most common insurance gaps—before they turn into costly setbacks.

1. Incomplete General Liability Coverage

Most contractors carry general liability insurance, but not all policies are created equal. Some have exclusions or limits that leave you exposed to claims for property damage, third-party injuries, or even subcontractor mistakes.

What to do: Make sure your liability policy is tailored to your specific trade, project size, and subcontractor arrangements.

2. No Builder’s Risk Policy

Builder’s risk insurance covers the structure you’re working on—protecting against fire, theft, vandalism, and certain weather damage during construction. If a storm or fire damages a project mid-build, you could be responsible for the loss without this coverage.

What to do: Secure builder’s risk coverage for each project, especially for high-value builds or long timelines.

3. Missing Tools & Equipment Coverage

Your tools are essential—and expensive to replace. Standard property coverage often excludes tools and mobile equipment once they leave your premises. If your trailer gets broken into on a job site, you might be left paying out of pocket.

What to do: Ask about inland marine coverage, which protects tools, equipment, and materials in transit or on location.

4. Workers’ Comp That Doesn’t Fit Your Team

In New York, workers’ compensation is required if you have employees—but if you use subcontractors or 1099 workers, you may still be liable for injuries unless they’re properly insured.

What to do: Review all labor arrangements and ensure you’re covered for every person working under your direction.

5. No Umbrella or Excess Liability

Construction projects come with high stakes—and high claim potential. If a single incident maxes out your liability limits, the rest is your responsibility.

What to do: Add umbrella insurance to extend your liability coverage across all policies.

We Build Protection for Builders

Based in Port Jervis, Quick Insurance helps construction companies across Orange County get comprehensive coverage without overpaying. As independent brokers, we shop multiple carriers to find the right fit for your business—so you can stay focused on the job, not the paperwork.

Get a Free Insurance Review Today

Let us help you close the gaps in your coverage before your next project begins. Call or message Quick Insurance for a no-obligation review tailored to your construction business.

Visit https://www.cquickinsurance.com/ for more information!