Common questions about General contractors
Answering the most frequently asked questions about General contractors.
Is my own defective work covered?Gravity Certs2026-08-17T23:39:10-04:00
Generally not. Rework is a business cost; resulting damage to other property usually is covered.
Why are New York limits higher than elsewhere?Gravity Certs2026-08-17T23:39:09-04:00
Labor Law 240 and 241 impose near-absolute liability for gravity-related injuries, so severity is much higher.
What does additional insured status actually do?Gravity Certs2026-08-17T23:39:08-04:00
It extends your sub’s coverage to protect you for claims arising from their work. It’s your primary cost control.
Do I need builder’s risk on every project?Gravity Certs2026-08-17T23:39:08-04:00
On new construction and major renovation, yes. Confirm whether the owner is carrying it before you buy duplicate cover.
Am I liable for my subcontractors?Gravity Certs2026-08-17T23:39:07-04:00
Yes, in practice. Collect certificates and require additional insured status before anyone starts work.
Reviews from Semper Insurance clients
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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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