After switching to ISOM, I’ve seen a noticeable drop in coverage gaps and faster certificate turnaround. Their knowledgeable brokers handle even our most complex bonding requirements.
COMMERCIAL INSURANCE SOLUTIONS FOR CONTRACTORS
A specialist commercial insurance brokerage for contractors and business owners across the Tri-State Area.
ISOM Brokerage provides commercial insurance solutions for contractors and business owners across New York, New Jersey and Connecticut. We structure coverage for the businesses that build, host and serve the region, helping contractors meet contract requirements, protect ongoing operations and move every project forward with confidence.
Industry Expertise
Construction & Trade Coverage
Tri-State Experience
Commercial Insurance Solutions
Coverage Review
Policy & Endorsement Analysis
Market Access
Admitted & E&S Solutions
Licensed Regions
NY • NJ • CT • IN
Coverage Solutions for Contractors & Commercial Businesses
General Liability
Protects contractors and businesses against third-party bodily injury, property damage and completed operations claims arising from daily operations.
Workers' Compensation
Provides coverage for workplace injuries while helping employers meet state workers’ compensation requirements and support workforce protection.
Builder's Risk
Protects structures, materials and equipment throughout construction, helping projects stay protected from groundbreaking through completion.
Commercial Property
Safeguards buildings, equipment, inventory and business assets against covered property losses that can interrupt daily operations.
Commercial Auto
Protects owned, hired and non-owned vehicles used for business operations, helping contractors and commercial fleets stay on the road.
Umbrella & Excess Liability
Extends liability protection above underlying policies, helping businesses manage higher-risk commercial exposures.
Professional Liability
Protects businesses providing professional services against claims involving errors, omissions or professional negligence.
Cyber Liability
Breach response, data restoration and liability — with attention to New York’s SHIELD Act and, for healthcare clients, HIPAA obligations.
Inland Marine
Protects contractor equipment, tools, installation materials and property while transported or used away from a primary location.
Employment Practices Liability
Provides protection against employment-related claims involving workplace policies, employee relations and management decisions.
Pollution & Environmental
Designed for contractors performing environmental, excavation or specialized operations where standard liability policies may not provide adequate protection.
Commercial Package Policies
Combines multiple commercial coverages into one coordinated insurance program designed around your business operations.
Coverage Built AroundContractors. Expertise Built on Experience.
ISOM Brokerage provides commercial insurance solutions designed for contractors across the Tri-State Area. From General Liability and Workers’ Compensation to Builder’s Risk and specialty commercial coverage, every insurance program is reviewed with your operations, contract requirements and long-term business goals in mind.
New York Labor Law Coverage Review
Before work begins, contractors should verify that their General Liability policy includes the endorsements and contractual provisions commonly required for New York construction projects. A certificate summarizes coverage, but policy endorsements determine how coverage responds.
Coverage Requirement
Review Focus
Why It Matters
Sections 200, 240 & 241
Review Focus
Verify the General Liability policy is structured to respond appropriately to New York Labor Law exposures.
Why It Matters
Proper policy structure helps support contractors facing labor law-related claims.
Additional Insured
Review Focus
Confirm required Additional Insured endorsements align with project contracts.
Why It Matters
Many construction contracts require additional insured protection before work begins.
Primary & Non-Contributory
Review Focus
Review policy wording to confirm primary and non-contributory provisions when required.
Why It Matters
Contractual insurance requirements often specify how liability coverage should respond.
Waiver of Subrogation
Review Focus
Verify required waiver endorsements are included where contractually requested.
Why It Matters
Construction agreements frequently require waiver of subrogation endorsements.
Why Contractors Choose ISOM Brokerage
Commercial insurance is more than placing a policy. ISOM Brokerage structures coverage around your operations, contract requirements and project exposures, helping contractors secure reliable protection before work begins and throughout every stage of the project.
Coverage Built Around Your Business
Every insurance program is reviewed to match your operations, contractual obligations and project requirements before coverage is placed.
Endorsements Reviewed Before Binding
We review policy wording, endorsements and coverage details to help identify potential gaps before they become costly issues.
Same-Day Certificate Support
Once coverage is placed, certificates can be issued promptly with the appropriate language needed for project and contractual requirements.
Access to Multiple Insurance Markets
We work with admitted and excess & surplus (E&S) markets to help place commercial insurance solutions for a wide range of contractor risks.
Common Coverage Challenges Contractors Face
Problem
Contract requirements, changing operations and outdated policy terms can create coverage gaps that remain unnoticed until a claim or project review.
Solution
ISOM Brokerage reviews policy wording, endorsements and contractual requirements to help identify potential gaps before coverage is placed.
Problem
Project schedules can be disrupted when certificates do not match contract requirements or additional insured wording.
Solution
Certificates are prepared with the appropriate language and project requirements, helping contractors keep work moving without unnecessary delays.
Problem
As projects grow, existing liability limits may no longer reflect operational exposures or contractual insurance requirements.
Solution
Coverage recommendations are evaluated against your current operations, helping contractors maintain insurance programs that support project requirements.
Problem
Businesses sometimes carry coverage that no longer reflects their operations or current insurance needs.
Solution
Access to multiple insurance markets allows coverage options to be evaluated based on business operations and project requirements rather than relying on a single market.
Problem
Required endorsements are often overlooked until certificates are requested or contracts are reviewed before a project starts.
Solution
Policy endorsements are reviewed alongside contract requirements to help support compliance before work begins.
Problem
Construction contracts frequently include insurance requirements that differ from one project to another, creating additional compliance responsibilities.
Solution
ISOM Brokerage reviews insurance requirements alongside policy documentation to help contractors prepare coverage that supports project obligations.
Case Studies
Commercial Insurance Solutions for Every Industry We Serve
ISOM Brokerage provides commercial insurance solutions for contractors and business owners across the Tri-State Area. We understand the unique operational, contractual and coverage requirements of every industry we support, helping businesses secure insurance programs built around their daily operations.
Property Owners & Developers
Commercial property owners and developers require insurance solutions that support building operations, renovation projects and long-term property management throughout the Tri-State Area.
Property Coverage
General Liability
Builder's Risk
Umbrella Liability
Hospitality Businesses
Hotels, restaurants, bars and hospitality operations require coordinated commercial insurance designed to support daily operations, property protection, employee safety and customer-facing risks.
General Liability
Commercial Property
Liquor Liability
Workers' Compensation
Healthcare Practices
Medical practices, clinics and healthcare facilities require commercial insurance programs that protect professional services, business operations and sensitive information while supporting day-to-day patient care.
Professional Liability
Cyber Liability
Commercial Property
Workers' Compensation
Property Owners & Developers
Commercial property owners and developers require insurance solutions that support building operations, renovation projects and long-term property management throughout the Tri-State Area.
Professional Liability
Cyber Liability
Commercial Property
Workers' Compensation
Transportation & Logistics
Transportation and logistics businesses require commercial insurance that supports fleet operations, cargo movement and daily business activities. ISOM Brokerage structures coverage to help businesses manage operational risks while keeping vehicles, drivers and deliveries protected.
Commercial Auto
Motor Truck Cargo
Motor Truck Cargo
Fleet Coverage
Retail, Wholesale & Service
Retail stores, wholesale operations and service businesses need commercial insurance designed to protect property, inventory, employees and customer interactions. ISOM Brokerage helps businesses secure coverage that supports day-to-day operations and long-term growth.
Business Owner's Policy
Commercial Property
Commercial Auto
General Liability
START YOUR
COVERAGE
REVIEW
Contractor Focus
Construction & Trade Coverage
Licensed Regions
NY • NJ • CT • IN
Coverage Review
Policy & Endorsement Analysis
Why Contractors Choose ISOM Brokerage
Coverage Feature
How ISOM Supports You
Business Benefit
Coverage Review
Policies, endorsements and contract requirements are reviewed before coverage is placed.
Helps identify potential coverage gaps before work begins.
Access to Insurance Markets
Commercial insurance solutions are evaluated across admitted and excess & surplus (E&S) markets.
Supports broader coverage options for a wide range of contractor operations.
Certificate Support
Certificates are prepared with the appropriate language to meet project and contractual requirements.
Helps contractors keep projects moving without unnecessary delays.
Long-Term Coverage Planning
Insurance programs are reviewed as your operations and business needs evolve.
Supports continued protection as projects and business activities grow.
Trusted by Contractors Across the Tri-State Area
Read feedback from contractors and commercial businesses that trust ISOM Brokerage for commercial insurance solutions tailored to their operations, project requirements and long-term business goals.
After switching to ISOM, I’ve seen a noticeable drop in coverage gaps and faster certificate turnaround. Their knowledgeable brokers handle even our most complex bonding requirements.
XYZ
As a small contractor, I used to spend hours chasing carriers myself. Now ISOM handles everything from binding to claims follow-up. It’s been a huge relief.
XYZ
XYZ
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Construction Trades & Service Areas We Support
ISOM Brokerage provides commercial insurance solutions for contractors across the Tri-State Area. Explore the trades we support and the regions where we help businesses secure coverage designed around their operations.
Explore the construction trades we support, from general contracting and roofing to electrical, plumbing, HVAC and other specialty contractors across the Tri-State Area.
Discover the regions we serve across New York, New Jersey and Connecticut, providing commercial insurance solutions for contractors and commercial businesses.