Contractors

Construction is one of the most hazardous industries in the United States, and contractors operating in Central New York face a distinct combination of risks. From harsh winter weather conditions that create icy job sites to the regulatory requirements imposed by New York State, the potential for costly claims is significant. A single workplace accident or property damage incident can threaten the financial stability of your entire business. At Gillespie Insurance Agency, we have been working with Auburn-area contractors since 2006 and understand these challenges firsthand. Whether you are a general contractor managing large commercial builds, a subcontractor specializing in electrical or plumbing work, or a small residential remodeling firm, your insurance needs are unique. We take the time to assess your specific operations, job site exposures, and contractual obligations to ensure there are no gaps in your coverage. Beyond the physical hazards, contractors also face professional risks such as construction defects, missed deadlines, and disputes with property owners. These exposures require a comprehensive insurance strategy that goes well beyond a basic general liability policy.

A properly structured contractor insurance program starts with general liability and workers compensation, but those are just the foundation. Depending on the size and scope of your operations, you may also need commercial auto coverage for your fleet of trucks and equipment, inland marine insurance to protect tools and materials in transit, and builders risk coverage for projects under construction. We also help contractors secure umbrella policies that provide an additional layer of protection above your primary limits. Many project owners and general contractors require specific insurance limits and additional insured endorsements before you can bid on a job. We make sure your certificates of insurance are accurate and delivered promptly so you never miss an opportunity. For contractors who employ crews, New York State requires workers compensation and disability benefits coverage. Our team stays current on the latest regulations and classification codes to ensure your policies are correctly rated, which can save you thousands of dollars in premiums over time.

As an independent insurance agency based in Auburn, NY, Gillespie Insurance Agency has access to multiple carriers that specialize in construction insurance. This means we can shop your coverage across a competitive marketplace to find the best combination of price, coverage breadth, and carrier financial strength. We are not locked into a single company, so our recommendations are always in your best interest. Our team understands the nuances of the Central New York construction market. We know that a roofing contractor has very different needs than a site work contractor, and we tailor our approach accordingly. We also provide ongoing support throughout the policy year, including certificate management, audit assistance, and claims advocacy when you need it most. When you partner with Gillespie Insurance Agency, you get a dedicated advisor who is just a phone call away at (315) 252-0694. We believe that responsive, knowledgeable service is what sets us apart from the large national brokerages and online quote engines.