Donigan Agency Contractors Insurance

10/06/2026

🚚 NY Contractors: Is your work vehicle covered? 🛠️

Your van, pickup, dump truck, or trailer isn't just a ride. It's how your business gets from job to job. One accident can stop everything.

At Steve Donigan Agency, Inc., we help New York contractors protect the vehicles they rely on every day with commercial auto insurance built for the work you do.

✅ Covers your work vehicles
✅ Protection on the job site
✅ Helps pay for accidents, damage & liability
✅ Keeps your business moving

Whether you run one truck or a whole fleet, we'll find coverage that fits your crew and your budget.

📞 Call us today for a quote: 315-428-8600
🌐 www.doniganinsurance.com

10/05/2026

One accident on the job site shouldnt cost you the business youve spent years building. 🏗️

A visitor trips over your materials. A tool slips and damages a clients floor. A deck you finished last year causes an injury. These things happen, even to the best crews. Contractor General Liability (CGL) insurance helps cover:
✅ Bodily injury to others
✅ Damage to a clients property
✅ Legal defense costs
✅ Personal amp; advertising injury
✅ Products amp; completed operations
✅ Third-party claims from clients, visitors, and vendors Many GCs and property owners wont even let you on the job without a certificate of insurance.

Make sure yours is ready when the next big contract comes in. Lets make sure youre covered the right way. 🔨
📞 315-428-8600
🌐 www.doniganinsurance.com

Build with confidence. 💪

10/03/2026

What insurance does a contractor need in New York?

🏗️ Heres your checklist:
✅ General Liability: third-party injury and property damage claims
✅ Workers Compensation: required for most NY employers with employees
✅ NY Disability + Paid Family Leave: required for most covered employers
✅ Commercial Auto: for vehicles used in the business
✅ Tools amp; Equipment (Inland Marine): protects your gear on and off site
✅ Umbrella / Excess Liability: extra limits when contracts call for more.

Missing even one could mean a lost contract, a fine, or a claim you pay out of pocket.

Lets build the right protection for your contracting business.

Call us for a free coverage review.

THE STEVE DONIGAN AGENCY, INC.
Steve Donigan, Agency Owner
📞 Phone: 315-428-8600
🌐 Website: www.doniganinsurance.com

10/02/2026

🏗️ What does $1 Million / $2 Million General Liability actually mean?

If you own a contracting business, those numbers matter more than you might think.

$1 Million Each Occurrence — generally the most the policy will pay for a covered claim arising from one occurrence, subject to the policy’s terms and other applicable limits.

$2 Million General Aggregate — generally the most the policy will pay for covered claims subject to the general aggregate during the applicable policy period.

General Liability can help protect your business against covered claims involving bodily injury, property damage, personal amp; advertising injury, and certain legal defense costs. Whether youre a contractor, remodeler, painter, electrician, HVAC professional, or another small business owner, make sure you understand your limits—not just the price of your policy.

📞 315-428-8600
🌐 DoniganInsurance.com

The Steve Donigan Agency, Inc.
Helping New York contractors and businesses protect what they’ve built.

09/23/2026

09/18/2026

Certificate of Insurance = More Jobs Won!

Lost a bid lately? It might not be your price — it might be your paperwork.
More GCs and property managers are asking for proof of insurance before they'll even consider you. No Certificate of Insurance, no contract. It's that simple.

Steve Donigan Agency has been protecting NY contractors for years with General Liability, Workers' Comp, Commercial Auto, and Umbrella coverage — the exact policies clients are asking to see.

Don't lose another job to someone who's simply better insured than you.

📞 Call us today: 315-428-8600
🌐 www.DoniganInsurance.com

04/15/2026

04/15/2026

04/15/2026

🛠️ From Foundation to Finish: We’ve Got You Covered
Look at that job site—sparks flying, walls going up, and every trade working in sync. Whether you’re the electrician wiring the panel, the mason laying the brick, or the carpenter on the ladder, your hard work is what builds our community. 🏗️✨

At Steve Donigan Agency, Inc., we know that a single mishap shouldn't stall your momentum. We’ve designed our coverage to move as fast as you do, protecting the tools, the trucks, and the team that make it all happen.

Our specialized "Eligible Classes" include:

✅ General Liability – For when the unexpected happens.

✅ Workers Comp – Protecting your most valuable asset: your crew.

✅ Commercial Auto – Keeping your fleet (and that big white box truck!) on the road.

✅ Inland Marine – Because your tools are your livelihood, even in transit.

Ready to Protect Your Livelihood?

📞 Call us today: 315-428-8600

🔗 Get your quote started: https://forms.gle/KJ3dKAAfmZLadYWX9

Focus on the craft. We’ll handle the paperwork. 👷‍♂️💼