When a Contractor’s Insurance Can Leave Your Building Exposed

Understanding “Action Over” Exclusions in Plain English

By Natale Scopelliti, CIC Honig Conte Porrino Insurance Agency Inc. January 2026

A Common Scenario for NYC Condo & Co‑Op Buildings

When a condominium or co‑op hires a contractor—or allows a unit owner or tenant to do so—the assumption is simple: the contractor’s insurance…