Commercial Lines
Cool Insuring Agency, Inc. specializes in the design and placement of insurance programs for contractors in various industries. We maintain a Construction Division as part of our agency’s structure. Our Construction Division consists of underwriters, account managers and loss prevention specialists specifically trained in the unique needs of our construction clients.
Our construction clientele, coverage and services are as follows:
Construction Clientele:
- Large General Contractors
- Artisan / Trade Contractors
- Residential Home Builders
- Paper General Contractors
- Construction Managers
- Environmental Contractors
- Architects & Engineers
Coverage
- General Liability
- Products / Completed Operations
- Workers’ Compensation
- Builders Risk
- Equipment & Tool Floaters
- Railroad Protective Liability
- Real & Personal Property
- Owners & Contractors Protective Liability
- Surety Bonds
- Pollution Liability
Services:
- Contract Reviews including Hold Harmless / Indemnification wording
- Job Specifications Review
- Certificates of Insurance preparation
- Premium Audit Analysis – We help you establish accurate payroll / classification records to ensure fair premiums
- Risk Management - Job Site surveys, OSHA Consultation & Training, Construction Safety Specialist on Staff
- Full coverage for NY Labor Law exposures
Our professionals routinely review job specifications and contractual requirements for all of our large contracting clients including not only the actual contractors, but construction managers, developers and property owners and managers. We assist in contract compliance, preparation of certificates of insurance and the design of specific coverages to meet each individual’s job specifications.
