A specialist brokerage for businesses that build, host and serve across six states.
ISOM Brokerage Inc. places commercial insurance and surety bonds for contractors, hospitality operators, healthcare practices and property owners across New York, New Jersey, Connecticut, Indiana, Pennsylvania and Delaware. We work from an office in Garden City, NY, serving businesses across all six states.
Accuracy and speed are the same problem.
A wrong policy and a late policy cost a contractor the same thing: the bid. Our team works in construction insurance and surety full-time, so the structure is right the first time – correct class codes, the endorsements your contracts name, and limits that match the work you actually do.
Once coverage is bound, certificates go out the same day, written to the exact additional insured language the general contractor requires rather than a generic template you have to send back.
Six states, different requirements. Keeping up is part of the job.
New York, New Jersey, Pennsylvania, Indiana, Connecticut and Delaware each bring their own workers’ compensation, contractor, insurance and project-specific requirements. New York construction operations can also involve Labor Law Sections 200, 240 and 241, while other states apply their own rules governing workers, contractors and construction operations.
Contract requirements can add another layer—including General Liability, Workers’ Compensation, Commercial Auto, Umbrella or Excess Liability, Certificates of Insurance, additional insured status and other project-specific provisions.
We review coverage against the requirements that apply to each client’s operations, contracts and locations at every renewal.
There is a business behind every policy.
Construction insurance is, in the end, people protecting people. Every policy we place represents a payroll, a family and a set of obligations someone has personally signed for. We structure coverage around each client’s actual exposure rather than a template, and we give clients direct access to the broker handling their account.
If your current program is well built, we will say so. A broker who tells you to stay where you are is worth more than one who moves you for the sake of a commission.
Talk to a broker who reads the endorsements.
Send us your current declarations page and loss runs. We’ll review your coverage at no cost and tell you plainly what’s missing, what’s overpriced and what we would do differently.