The Curtin Agency, LLC

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The Curtin Agency, LLC The Curtin Agency is locally owned and operated in the Capital Region and proudly serves all of NY Licensed in New York.

The Curtin Agency, LLC services all areas of New York and is dedicated to providing quality customer service to each and every client. Representing Farm Family Casualty Insurance Company; United Farm Family Insurance Company; American National Life Insurance Company of New York, all of Glenmont, NY. Products and services are not available in all states. American National means American National Insurance Company and its subsidiaries and affiliates. The content of this site does not necessarily represent the positions, strategies or opinions of American National. Neither I, nor American National, is responsible for statements posted by third parties. All logos and trademarks are the property of their respective owners. This site may have links to other sites not maintained by this agency or American National. Such links do not imply endorsement or approval of these sites or the content therein. We reserve the right to remove any posts from this page, including repeated posts containing the same content, posts that we determine to be confrontational and posts that advertise other products or are not relevant to his agency’s business. Do not post personal information such as claim numbers, policy numbers, etc. If you need assistance concerning your policy or claim, you may call . We will not provide any claim information or request any personal information on a public forum.

We've covered what Labor Law 240 and 241 mean for New York contractors. The next question is what happens when a claim a...
10/14/2026

We've covered what Labor Law 240 and 241 mean for New York contractors. The next question is what happens when a claim actually lands.
Your general liability policy is typically the first line, providing defense and paying covered damages up to its limit.
The challenge is that verdicts under these statutes can be severe, and a standard limit may not absorb the full exposure.
That's where a commercial umbrella earns its place, sitting above your GL and other policies with higher limits and often broader protection.
Contract terms matter too, since additional insured obligations determine whose insurance responds first on a shared jobsite.
Call/text 518-478-6393 or visit thecurtinagency.com to schedule a review before your next project breaks ground.

Before you sign your next subcontractor agreement, slow down on four clauses:🔹 Additional insured requirements, and whet...
10/07/2026

Before you sign your next subcontractor agreement, slow down on four clauses:
🔹 Additional insured requirements, and whether your policy endorsement actually matches the contract language
🔹 Waivers of subrogation, which limit your insurer's ability to recover costs after a claim
🔹 COI verification for every sub working under you, collected before work starts
🔹 Required limits, which should meet or exceed what the contract specifies
Contract language drives claim outcomes just as much as the policy itself, and the time to catch a mismatch is before the signature, never after the incident.
Have an agreement in front of you right now? Send it our way through thecurtinagency.com, and we'll review the insurance requirements with you.

Most insurance explanations are walls of text. Our website takes a different approach.The Clickable Coverage graphics le...
09/22/2026

Most insurance explanations are walls of text. Our website takes a different approach.
The Clickable Coverage graphics let you explore an interactive jobsite scene, tap the hotspots, and see the risks hiding in everyday operations along with the protection that responds to each one.
There are versions for contractors, landscaping, business auto, cyber liability, and more.
It's an easy way to spot an exposure you hadn't considered, and a good conversation starter before a policy review.
Click it, read it, and cover it at thecurtinagency.com.

Landscaping crews spend the entire season on other people's property, and that shapes what your insurance needs to do:🔹 ...
09/10/2026

Landscaping crews spend the entire season on other people's property, and that shapes what your insurance needs to do:
🔹 General liability responds if a client's patio gets damaged or someone trips over equipment left on the lawn
🔹 Inland marine protects the mowers, trimmers, and tools that travel between job sites every day, where theft and damage risk runs highest
🔹 Business auto covers the trucks and trailers hauling it all
🔹 Workers' comp protects a crew working around powered equipment and chemicals all season long
The right combination depends on your operation, your crew size, and the work you take on.
Call/text 518-478-6393 or visit thecurtinagency.com to make sure your coverage matches the season you're actually running.

Labor Day is all about celebrating the workforce, and the best way to honor hard work is to take a real break from it. S...
09/07/2026

Labor Day is all about celebrating the workforce, and the best way to honor hard work is to take a real break from it. So to celebrate, our team is fully committing to the cause by penciling some cat naps into our schedules this weekend.

A quick heads-up: The office is closed on Monday, September 7th. We will be back on Tuesday, September 8th — recharged, refreshed, and ready to get to work.

We hope you have a long weekend full of good food, good company, and zero emails!

New York holds contractors to a standard almost no other state does.Labor Law 240 and 241, often called the Scaffold Law...
09/03/2026

New York holds contractors to a standard almost no other state does.
Labor Law 240 and 241, often called the Scaffold Law, can place liability for gravity-related injuries on general contractors and property owners even when they weren't directly at fault.
Falls from heights and falling objects are the classic examples, and courts here apply these statutes strictly.
The practical takeaway for anyone working on elevated sites is that claims under these laws can be severe, and standard liability limits may not go far enough. Umbrella coverage and carefully structured contracts both play a role in managing the exposure.
If your crews work on scaffolds, ladders, or rooftops, a policy review is the right starting point. Visit thecurtinagency.com or call 518-478-6393 to connect with our team.

Construction projects involve complex risks, from subcontractor liability to post-project claims. Understanding what con...
08/27/2026

Construction projects involve complex risks, from subcontractor liability to post-project claims. Understanding what construction insurance covers helps contractors protect their business, crews, and bottom line. Swipe for key insights on essential coverages and common gaps.

Need help building the right coverage portfolio or want to make sure your existing coverage is keeping up with your operation? Reach out today. We’re here to help.

A certificate of insurance looks like routine paperwork, right up until an inaccurate one holds up a job.We see the same...
08/20/2026

A certificate of insurance looks like routine paperwork, right up until an inaccurate one holds up a job.
We see the same issues again and again. The certificate names the wrong entity. The dates don't match the current term. The endorsements a contract requires never made it onto the form.
Any one of these can stall a project, strain a GC relationship, or leave a gap you don't discover until a claim.
General contractors and property owners are verifying COIs more carefully than ever, so accuracy protects both your compliance and your reputation.
Need a certificate issued or want a second set of eyes on what a contract is asking for? Start at thecurtinagency.com or by calling 518-478-6393.

If you've signed a subcontractor agreement in New York, you've almost certainly been asked to name someone as an additio...
08/13/2026

If you've signed a subcontractor agreement in New York, you've almost certainly been asked to name someone as an additional insured.
An additional insured endorsement extends certain protections under your policy to another party, usually the general contractor or property owner you're working for. It's one of the most common requirements in NY construction contracts, and one of the most misunderstood.
Two things trip contractors up. First, agreeing to the requirement without confirming your policy can actually provide it. Second, assuming a certificate of insurance proves the status. It doesn't. The endorsement itself does.
Before you sign your next agreement, call/text 518-478-6393 or visit thecurtinagency.com, and we'll walk through the requirement with you.

Hi, I'm Matt Curtin. It's been a while since this page has had much to say, and that's about to change.I started The Cur...
08/06/2026

Hi, I'm Matt Curtin. It's been a while since this page has had much to say, and that's about to change.
I started The Curtin Agency to bring locally owned, personal service back to the Capital Region after more than 15 years in the industry, including over a decade at two of the country's largest carriers and an extensive background in premium auditing.
That experience taught me exactly where contractors and families get tripped up, and how to prevent it.
Going forward, you'll find useful guidance here on contracts, certificates, NY-specific exposures, and the questions I hear most often from clients.
I'm glad to be back in your feed. Learn more about the agency at thecurtinagency.com.

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300 Great Oaks Boulevard, Suite 300
Albany, NY
12203

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