Builder's Risk
Project-specific coverage protecting your structure from foundation to final completion, covering fire, theft, vandalism, and weather-related damage throughout the build cycle.
New York's demanding construction environment — from high-rise developments in Manhattan to commercial builds across the boroughs — requires robust, project-specific insurance. Soma delivers fast, affordable construction insurance tailored for general contractors, subcontractors, and specialty trades, placing coverage through top-rated carriers like Chubb, Liberty Mutual, and Kinsale with a single streamlined application.
Comprehensive insurance programs built for every phase of your construction project and contractor operation in New York.
Project-specific coverage protecting your structure from foundation to final completion, covering fire, theft, vandalism, and weather-related damage throughout the build cycle.
General liability coverage for bodily injury and property damage arising from your construction operations, satisfying owner, lender, and contract requirements across New York job sites.
Inland marine coverage for owned and rented machinery, tools, and equipment — protecting your assets whether on-site, in transit, or temporarily stored off-location.
Protection against defect claims and liability that arise long after project handover, a critical safeguard for contractors facing New York's statute of limitations on construction defects.
Coverage for materials, fixtures, and equipment in transit to or temporarily stored at the job site before they are permanently installed, reducing costly exposure gaps during delivery.
Consolidated wrap-up programs for large-scale New York developments, bringing all project participants — GCs, subs, and trades — under a single coordinated insurance tower.
New York's construction industry operates under strict compliance demands, complex lender requirements, and some of the highest liability exposures in the country. Soma's construction insurance specialists work with premium carriers — Chubb, Liberty Mutual, and Kinsale — to structure programs that flex around your project pipeline. From a single-trade subcontractor in Brooklyn to a multi-phase developer in Midtown, we place the right coverage fast, with one application and no chasing brokers.
See how New York contractors and developers secured the right coverage fast through Soma's expert placement.
Soma combines specialty market access, deep construction expertise, and unmatched speed to protect your projects and business.
We place construction risks through top-rated carriers like Chubb and Liberty Mutual that standard brokers can't access.
Our team understands New York's strict building codes, lender requirements, and high-liability construction environment.
Get comprehensive, project-specific construction coverage quotes across multiple carriers with a single fast application.
No waiting weeks for quotes — Soma's Risk Management Team analyzes your operation and binds coverage quickly.
Experienced specialists dedicated to protecting construction businesses across New York.
Soma is a specialty commercial insurance brokerage built for complex, hard-to-insure businesses — and construction is one of our core verticals. We serve general contractors, subcontractors, specialty trades, and real estate developers navigating New York's demanding project landscape, from outer-borough residential builds to large-scale Manhattan commercial developments. Our Risk Management Team has processed thousands of businesses, developing deep expertise in construction-specific exposures, lender certificate requirements, and wrap-up program structures. By partnering with industry-leading carriers including Chubb, Liberty Mutual, and Kinsale, we deliver competitive, compliant coverage faster than traditional brokers — with the personalized attention that complex construction programs demand.
Most New York contractors need a combination of General Liability, Builder's Risk, Workers' Compensation, and Tools & Equipment coverage. Larger projects often require Completed Operations, Installation Floater, and Wrap-Up (OCIP/CCIP) policies. Lenders, property owners, and NYC contracts will typically specify minimum coverage limits and required endorsements — Soma helps you satisfy all of these with one streamlined application.
Speak with a Soma construction insurance specialist for clear, expert guidance.
Partnered with top-rated carriers including Chubb and Liberty Mutual
Dedicated team that has processed thousands of business insurance programs
Recognized for placing construction coverage that standard brokers decline
Complete one simple form and our New York construction insurance specialists will analyze your operation, shop top-rated carriers, and deliver competitive coverage options fast — no waiting, no chasing brokers.