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Rowledge & Falvo Insurance Agency

139 Mohawk Ave
Scotia, NY 12302

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Contractors Insurance

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Contractors Insurance in New York

In New York, insurance requirements for general contractors are no laughing matter. You really wouldn't want to mess with the law on this one. The state takes it seriously, and you should too. General liability insurance is the first thing you need to get your hands on.

To do what's required of you regarding general liability, you should take out at least $1 million per occurrence and $2 million aggregate. If you're a larger contractor, go for something higher. Doubling these figures is the right thing to do. The types of projects you handle determine this.

Moving on, we've got workers' compensation. This one's all about looking out for your team. If they get hurt while working, it'll handle their medical bills and any wages they might miss out on. It's not just something you're obligated to have; it's the smart thing to do.

You can set everything up by talking to our Rowledge & Falvo Insurance Agency team in Scotia, NY. The best part is that we can ensure you do everything correctly.

Contractor Coverage Options

Not all contractor insurance is the same. There are different types of policies, each with their coverage limits and things they cover and don't cover. That's why it's essential to do some digging and find the best policy for you.

General liability insurance is what you need if your work causes property damage or injury. As for workers' comp insurance, it helps out your employees if they get hurt while working. It's not just something you have to do legally in many states, but it's also the right thing to do. Looking out for your team is super important.

Other policies you should consider carrying include contractor's tools and equipment coverage. This one is for those items that help your team get the job done.

We recommend the business owner's policy (BOP) if you're a smaller contractor or work independently. That way, you can still get good coverage since the policy combines general liability coverage and commercial property insurance.

Reach out to Rowledge & Falvo Insurance Agency in Scotia, NY to discuss any insurance needs you may have concerning contracting. Our team will work with you to answer your questions and get you a quote.

Our Services

Servicing States

New York

Testimonials

My wife and I have been with Falvo agency for over 30 years and could not be more satisfied with the help we received after not only being a few auto accident’s but also a house fire and the collapse of our pool. For each case Frank Falvo , Patty and the rest of his team were so fast and efficient to help resolve these issues. This is a highly recommended insurance agency for anyone looking.

Joe Miller

I've been with Falvo and now Rowledge for over 25 years. So many companies have tried to convince me to switch. I just can't do it NOT even for a lower rate. They are simply the BEST!!!! The have been so GOOD to me over those 25 years, and they are truly appreciated.

Joseph Skinner

I am 27 years old, and just about to move to New York. This is my first time looking for my own insurance policy. Sharon Piazza was truly incredible. She was so nice and helped me every step of the way. She responded very quickly and I had no issues. She definitely got me the best rate available and I’m very happy with what I have. I highly recommend.

Mikey Medina

My husband and I have used Rowledge and Falvo for all our insurance needs and I recommend them without reservation. Sharon has been incredibly considerate and responsive, and she has taken the time to explain policies and find us the best options. She goes out of her way to help make things easier for us and she is always patient and informed. We just transitioned from renting to buying our first home and Sharon walked us through the entire process with her calm and encouraging presence. We are grateful and couldn't recommend Sharon and her team more highly!

Josey Brady

My wife and I utilize Rowledge & Falvo for both our auto and homeowners insurance. Ben and the rest of the team consistently go above and beyond what I would ever expect out of any insurance agency. This includes proactively finding us the best rates, working hand in hand with us throughout the stressful home buying process, and consistently working after hours when we have questions. Ben was an incredibly calming and reassuring presence when we bought our first home, and he even managed to find a number of mistakes that our mortgage company was making that ended up saving us a significant amount of money. Even though we are likely small clients for them, Ben and the rest of his fantastic team routinely makes us feel like we are the company's top priority.

Eric DeWitt

I would highly recommend the Rowledge & Falvo Agency to anyone looking for a quality insurance agency. Ben, Bruce and their staff are conscientious, courteous and professional at all times. We recently had a large claim when our vehicle was badly damaged by a falling tree. Ben immediately took charge and had the insurance adjuster reviewing the claim the same day. All went smoothly and our vehicle was restored to like new condition with zero issues. No doubt it was the Rowledge & Falvo Agency that made an unfortunate situation bearable. Thank you to Ben and staff for all that you do for your clients. Best of luck!

John Falvo

I have been using Rowledge for business and personal insurance (home, car, etc) for years now & would not even consider switching to anybody else regardless of cost. Their responsiveness & professionalism to multiple issues has proved invaluable to me personally. Their actions show how they truly care about their clients which is a rarity in these times. Highly recommended in my book.

Newest Lunch

I have had my car and home insurance through the Rowledge & Falvo Agency for the past six years and I could not be more pleased with the quality of service they provide. Aside from the excellent rates, which were lower than I was paying previously at a large insurer for the same coverage, the personal level of service is unparalleled. After recently experiencing a significant amount of home water damage, I cannot express how helpful this agency was guiding me through the entire claims process. From recommending a restoration company, to explaining in detail the necessary steps I needed to follow; to offering advice and even brokering conversations with claims agents, this agency did it all. Some of it even well outside normal business hours. We cannot thank them enough and highly recommend them to anyone needing insurance!

Daniel DeWitt

Ben has helped me with quality advice on both my car and homeowner's insurance plans and selected coverage that gets me the best value and service to meet my specific needs. They are very thorough, and are regularly checking up on my needs and often present me with newly available options to improve my service level while potentially lowering my out of pocket expenses.

When a pipe in my house sprung a leak, I was on the phone with them (over the weekend), and they walked me through every step from damage control, to getting an adjuster, to sending out an adjuster to assess, and lastly having the right professionals do the restoration.

Highly recommend!

Tom Durocher

We have been a clients of Rowledge Agency for about 10 years. They have always gone above and beyond to take care of inquiries or "issues" that may arise, no matter how big or small they might be. The staff is extremely helpful, friendly and knowledgeable. I highly recommend them for your insurance needs.

Sharon Sitts