Hedge / Appetite / General contractors / New York
● Review case by case in New York / P&C

General contractors in New York.

General contractors in New York is reviewed case by case in Hedge's current published wholesale appetite for licensed retail insurance brokers. Labor Law 240/241 exposure individually rated for NYC work. Residential and light commercial GCs. Sub-out percentage is the lever. Published target coverage includes General Liability with a published target of $1M / $2M, Commercial Auto with a published target of $1M CSL, and Builder's Risk with a published target of Per project. Hedge confirms current fit, the permitted submission route, and available terms after reviewing the account.

NAICS   236115 · 236116 · 236118 · 236220
Also known as   GC, builder, construction company
Submit a risk All states for this class
Coverage

Published target coverage.

These are starting-point lines and limits for a general contractors submission. Hedge confirms current fit, route, and available terms after account review.

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 →
Knowledge graph

Go deeper by coverage and packet.

Use the narrowest guide for the question. Coverage pages explain the line for this class; the submission guide organizes the first packet.

$1M / $2M General Liability for general contractors Coverage context, underwriting facts, forms, and preparation guidance. $1M CSL Commercial Auto for general contractors Coverage context, underwriting facts, forms, and preparation guidance. Per project Builders Risk for general contractors Coverage context, underwriting facts, forms, and preparation guidance. $1M Environmental and Pollution for general contractors Coverage context, underwriting facts, forms, and preparation guidance.
Submission preparation
What to submit for general contractors
Open class checklist →
Sweet spot

Where this fits cleanly.

This profile is the strongest starting point. Hedge confirms current market fit and route after reviewing the account.

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

What we need for placement review.

Including these items reduces back-and-forth. Additional underwriting information may be required.

  • 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 · Review 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 guidance still applies, subject to account and market review.

What's different about general contractors in New York?

Labor Law 240/241 exposure individually rated for NYC work. This is the state-specific issue to address up front. The base general contractors guidance otherwise applies. See the Submission section for the current list.

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

General Liability target up to $1M / $2M; Commercial Auto target up to $1M CSL; Builder's Risk target up to Per project; Pollution (subs) target up to $1M. These are published targets, not promised terms. Labor Law 240/241 exposure individually rated for NYC work. Available limits are confirmed after account and market review.

Public appetite is directional and may change. It is not a quote, binder, coverage commitment, or confirmation of access to any named market. Hedge confirms current fit, route, and authority after reviewing the account.

· LAST REVIEWED   2026-08-24    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671