ISOM Brokerage designs general liability, bonding, and workers' comp programs for contractors across the Tri-State Area — priced to win bids, structured to protect what you've built.
Every project has its own risk profile. So does every business we insure.
Headquartered in Long Island City, licensed across New York, New Jersey, and Connecticut. We know the local carriers, the local underwriting quirks, and the local bidding requirements — because we work them every day.
We don't sell off-the-shelf policies. We build a coverage structure around your loss history, your trades, and your bid pipeline — so you're not overpaying for coverage you don't need or underinsured for the risk you actually carry.
Every client is assigned a dedicated broker who knows their business by name. When a certificate needs to move fast for a bid deadline, you're not waiting in a queue.
"Construction insurance" isn't a single product — it's a category covering everything from general liability to bonding to workers' comp, and the right combination depends on your role on the project (owner, GC, or subcontractor), your entity type, and the operations you're covering.
Contractors bidding on larger projects are often contractually obligated to carry specific minimums — and the way that coverage is structured can be the difference between a competitive bid and a losing one.
See how coverage is priced →The foundation every contract requires. Competitive rates for NYC-based crews.
→ View coverage detailsBid, performance, payment, and license bonds — fast enough to hit your bid deadline.
→ View coverage detailsState-compliant coverage that protects your crew and your loss-run history.
→ View coverage detailsIncome protection when the job site is the reason you can't work.
→ View coverage detailsCoverage that follows the project — from foundation to final walkthrough.
→ View coverage detailsSingle-policy programs for large-scale, multi-contractor projects.
→ View coverage detailsFill out one short application. Tell us your trade, your revenue, and your current coverage — takes about five minutes.
We shop your risk across our carrier network and structure a program built around your actual exposure — not a generic package.
Review your options, sign, and receive your certificate — often the same day.
In most cases, same business day. Once your coverage is bound, certificates for new job sites or additional insureds are typically issued within hours.
It depends on your contracts. General liability is almost always required. Bonding is typically required for public work and larger private bids. We'll review your contracts and tell you exactly what's required before you pay for anything you don't need.
Business name and location, number of employees, estimated revenue, years in the industry, and a summary of your operations. If you have prior insurance history or loss runs, those help us get you a sharper rate.
Yes — the majority of our clients are trade subcontractors: electrical, plumbing, HVAC, masonry, drywall, and more. We build programs specific to each trade's risk profile.
We're licensed across New York, New Jersey, and Connecticut, with a focus on the New York City and Long Island construction markets.
Tell us about your business — a broker will follow up within one business day with real options, not a form-letter quote.