General Contractors Insurance
At Metropolitan Risk, we understand the day-to-day risk you face as a New York contractor—that’s why we specialize in the design and implementation of comprehensive insurance programs for New York contractors within a variety of industries.
Our expert insurance and risk management team consists of underwriters, account managers and loss prevention specialists—all specifically trained in the unique needs of our construction clients.
Here at Metropolitan Risk, we want you to experience superior service and expert contractors insurance solutions. Stop bidding and simply buying insurance—it’s time you partnered with a firm that actually has a quantifiable strategy—it’s time you partnered with Metropolitan Risk.
Our distinct contractors insurance solutions serve a multitude of construction clientele including:
- General Contractors
- Artisan / Trade Contractors
- Residential Home Builders
- Construction Managers
- Large Development Firms
- Environmental Contractors
- Architects and Engineers
- And more…
It is with our strategic vision that we can effectively add points to your profit margin rather than simply just reduce cost on your insurance item line. By utilizing our proprietary Risk Management platform, we show all levels of contractors and construction development companies how to more efficiently deploy your unique resources. Contact us today to learn more!
| Typical NY General Contractor/NY Developer |
| Thinks they are paying too much for the NY General Liability Insurance ( probably true). |
| Knows only how much they pay in NY General Liability Insurance Premium, but has no idea what their TOTAL COST OF RISK IS? |
| The only goal is to buy general liability insurance cheaper than last year, never understanding that 80% of their costs are outside the purchase of a their insurance policy, maintaining a higher cost structure than their peers, hurting their ability to compete. |
| Thinks that to solve the problem ordering loss runs, and shipping them out to 3 or 4 brokers who come back with price quotes, choosing the cheapest is the answer. Hating the whole process. |
| Are falsely satisfied when they select the quote that offers the best combination of coverage and price , usually under duress , usually at the last minute, scrambling to pull permits. |
| Hates the whole confusing, painful process of shopping the NY General Liability Insurance policy. Letting the carriers dictate the results. Hoping they didn't make a mistake. |
| In the end never REALLY knowing, repeating the errors, resigned to the same experience at next years renewal. |
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| Typical NY General Contractor / NY Developer working with a Metropolitan Risk Advisor |
| Knows they are paying far less than theirs peers because the whole process becomes transparent to them. |
| Understands what their True Cost of Risks Is and how much expense it adds to their P&L and ultimately their fixed & variable cost structure. |
| With the stewardship of a Risk Advisor sets goals to lower their Total Cost of Risk, rather than just their insurance premium, knowing that by achieving their goals substantially lowers their cost structure. |
| With the stewardship of a Risk Advisor develops a detailed Risk Blueprint that strategically addresses the frictional points within their P&L that is driving their cost structure higher than their peers. |
| Places their insurance program 30 days prior to expiration, with little effort, at full confidence they have spent their critical resources intelligently. |
| With the stewardship of a Risk Advisor your company achieves it's set goals, adds points back to it's profit margin, making your company a leaner , meaner fighting machine , giving you the ability to win more business, with a measure of cost certainty, at a much higher profit margin. |
| Breaks the drudgery of the insurance renewal cycle because they have a strategic vision, and transparent plan that is effected 24/7 365 days a year managing their total cost of risk rather than the insurance buying process right before renewal. |
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