General contractors in New York · Edge · Hedge E&S wholesale
Hedge / Appetite / General contractors / New York
● Edge in New York, case by case / P&C

General contractors in New York.

Residential and light commercial GCs. Sub-out percentage is the lever.

NAICS   236115 · 236116 · 236118 · 236220
Also known as   GC, builder, construction company

Labor Law 240/241 exposure individually rated for NYC work.

Submit a risk All states for this class
Coverage

What we'd quote.

Standard limits on a clean general contractors submission. Excess towers structured on request.

General Liability $1M / $2M General Liability wholesale → Commercial Auto $1M CSL Commercial Auto wholesale → Builder's Risk Per project Builder's Risk wholesale → Pollution (subs) $1M Pollution (subs) wholesale →
Sweet spot

Where this fits cleanly.

When the file matches this profile we quote without referral.

01 GC subbing 80%+ of work
02 All subs with $1M GL + WC
03 Projects under $10M completed value
Submission

What we'll need to bind.

Pull these together with the file and we quote in hours.

  • 01% subcontracted vs. self-performed
  • 02Largest project completed value
  • 03Subcontractor COI verification process
  • 04Hold-harmless agreement template
  • 05Residential vs. commercial mix
By state

Other states for this class.

Same class, different state. Each state page covers the verdict, limits, and any state-specific subjectivities.

General contractors in New Jersey
NJ · Edge, case by case
Labor Law 240/241 exposure individually rated.
Related

Adjacent classes.

Often relevant to a submission in this class.

P&C Apartment buildings & multi-family P&C Auto repair shops P&C Churches & religious institutions P&C Course of construction
FAQ

Common questions.

Does Hedge write general contractors in New York?

Case by case in New York. Labor Law 240/241 exposure individually rated for NYC work. The base appetite still applies. Send the file and we'll quote with the state-specific carve-outs.

What's different about general contractors in New York?

Labor Law 240/241 exposure individually rated for NYC work. That's the carve-out brokers need to know about up front. Everything else mirrors the base general contractors appetite. See the Submission section for the full list.

What limits will Hedge offer on general contractors in New York?

General Liability to $1M / $2M; Commercial Auto to $1M CSL; Builder's Risk to Per project; Pollution (subs) to $1M. Excess towers are structured on request. State-specific carve-outs (e.g. NY New York wind / wildfire / labor-law endorsements) priced individually.

· LAST REVIEWED   2026-05-19    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671