Types of Construction we serve
- Carpenters
- Commercial builders
- Concrete contractors
- Debris removal
- Electricians
- Excavation contractors
- General contractors
- Handyman services
- Home and commercial appliance repair
- Home inspectors
- Home renovation and remodeling
- Locksmiths
- Masonry contractors
- Painters
- Paving contractors
- Permanent yard contractors
- Plumbers
- Property preservation
- Roofers
- Scaffolding
- Sheet metal contractors
- Snow and ice removal
- Stucco and plastering
- Welders
Common questions about Construction
Answering the most frequently asked questions about Construction.
A bond isn’t insurance. It guarantees you’ll complete the contract, and if you don’t, the surety pays and then seeks repayment from you. Public work and most larger private contracts require bid, performance and payment bonds before award.
Often not. Most general liability forms exclude your own faulty workmanship, covering resulting damage to other property instead. Rework is generally a business cost, not an insured loss. Understanding that boundary before bidding avoids expensive surprises.
Practically, yes. If a sub is uninsured, their claim usually lands on your policy and your loss history. Collecting certificates before work starts and requiring additional insured status is the single most effective cost control in this industry.
General liability covers injury and damage you cause to others. Builder’s risk covers the structure you’re building and the materials on site if they burn, are stolen or are damaged. They solve different problems and most projects need both.
New York Labor Law sections 240 and 241 impose near-absolute liability on owners and contractors for gravity-related worker injuries. Defenses that work elsewhere often don’t apply here, so claim severity runs much higher and most contracts require substantial excess limits.
Complete a free online application, compare quotes, and choose a policy. Our licensed agents can help you find the right insurance products for your business needs.
Continuous coverage protects against fire, theft, injuries, and lawsuits, and may be required to bid on projects or obtain licenses. It also keeps your premiums lower over time.
Yes, if you use vehicles for business purposes, commercial auto insurance is necessary to cover accidents, theft, and damage.
It depends on the contract terms. The contractor, building owner, or property developer could be responsible. Ensure you’re listed as an additional insured if you’re not the one buying the insurance.
Yes, depending on your location and the type of work you do, you may need specific licenses and permits. A surety bond is also often required as part of the licensing process.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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