Royal Service Pro Liability & Contractor Insurance Service

Royal Service Pro Liability & Contractor Insurance Service provides comprehensive general liability coverage tailored specifically for Buffalo NY contractors. Our policies protect against third-party bodily injury, property damage during construction projects, personal and advertising injury, and products-completed operations coverage. We understand the unique risks contractors face including job site accidents, equipment damage to client property, and subcontractor-related claims. Our experienced insurance agents work with you to ensure proper coverage limits that meet New York State requirements while remaining cost-effective for your business.

New York State mandates workers compensation insurance for all contractors with employees. Royal Service Pro specializes in workers comp policies that cover medical expenses, lost wages, rehabilitation costs, and death benefits for work-related injuries or illnesses. We help contractors navigate complex NY workers comp regulations, manage experience modification rates, and implement safety programs that can reduce premiums. Our policies also include employers liability coverage for lawsuits beyond standard workers comp benefits.

Our commercial auto insurance protects contractors' vehicles including dump trucks, service vans, flatbeds, and equipment trailers used in Buffalo area construction projects. Coverage includes liability, physical damage, uninsured motorist protection, and specialized endorsements for tools and equipment transported in vehicles. We understand contractors need flexible coverage that accommodates seasonal usage patterns and multiple drivers.

Builders risk insurance covers buildings under construction against fire, theft, vandalism, windstorm, and other perils. Royal Service Pro provides customizable policies that can include soft costs coverage, ordinance/law coverage, and extended coverage for materials stored on/off site. Perfect for residential, commercial, and renovation projects throughout Western New York.