A specialist brokerage for the businesses that build, host and serve the Tri-State Area.
ISOM Brokerage Inc. places commercial insurance and surety bonds for contractors, hospitality operators, healthcare practices and property owners across New York, New Jersey and Connecticut. We work from an office in Garden City, NY, with property & casualty licenses in New York, New Jersey, Connecticut and Indiana.
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.
Three states, three rulebooks. Keeping up is part of the job.
New York layers workers’ compensation, Disability Benefits Law and Paid Family Leave requirements on top of the coverage your contracts demand. Labor Law Sections 200, 240 and 241 add liability standards unique to New York. New Jersey ties registration to security and minimum liability requirements, while Connecticut triggers workers’ compensation at the first employee.
We review coverage against the requirements that apply to each client’s operations and contracts 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.