Industries We Serve
Deep coverage for the industries that build New York.
General contractors, property owners, and restaurateurs don't need a generalist. They need a broker who knows where the claims come from — and structures coverage accordingly.
Our Largest Practice
Construction & Trade Contractors
From ground-up builds to interior fit-outs, we place coverage that matches how New York actually builds.
We work with general contractors, trades, and specialty contractors across the five boroughs and Long Island — and we know the exposures that shape your bids: New York's unique Labor Law liability, the certificates owners and GCs demand, and per-project limits that keep one claim off your balance sheet.
- General liability & excess liability
- Builders risk & installation floaters
- Workers' compensation & NY disability
- Contractor's equipment & inland marine
- Surety & license bonds
- Wrap-ups (OCIP/CCIP) & project-specific programs
New York's Scaffold Law (Labor Law §240) holds owners and general contractors strictly liable for elevation-related injuries — among the most expensive claims in construction. We structure your limits, additional-insured language, and contract reviews with that reality in mind.
40% of Our Book
Property Owners & Real Estate
Buildings, portfolios, and developments — protected the way lenders and boards expect.
Apartment buildings, mixed-use assets, co-op and condo boards, and development projects across NYC and Long Island. We place property and liability programs that satisfy lender requirements, stand up to board scrutiny, and price the realities of older New York building stock.
- Property & rental value
- General liability & umbrella
- Loss of rents & business income
- Ordinance or law coverage
- Water damage & sewer backup
- Environmental & pollution liability
Older building stock carries water-damage, ordinance-or-law, and accessibility exposures that standard programs underprice. We review your schedule of values and limits annually — not just at renewal.
Where Precision Pays
Restaurants & Hospitality
Coverage that understands front-of-house and back-of-house alike — from the dining room to the delivery run.
Full-service restaurants, cafés, bars, and hospitality groups. We build programs around the exposures that actually generate restaurant claims — kitchen fires, guest injuries, liquor liability, tipped-employee classifications, and the delivery run that happens off the books.
- General liability & liquor liability
- Property & equipment breakdown
- Food spoilage & contamination
- Workers' compensation & tipped-employee classifications
- Hired & non-owned auto for delivery
- Employment practices liability
Tipped-employee workers' comp classifications, liquor liability, and delivery exposure are where restaurants get surprised at claim time. We audit your classifications before the carrier does.
The Crossways Difference
Why industry depth matters
Insurance is priced on risk — and risk looks different on a high-rise site, in a rent-stabilized walk-up, and behind a kitchen door. A broker who knows your industry prices it correctly before the claim, not after.
We know where the claims come from
Scaffold Law actions, water-damage losses, liquor liability — we've seen how these claims are actually litigated in New York, and we place coverage that anticipates them.
Carriers that underwrite your risk seriously
As an independent brokerage, we go to the carriers that specialize in New York construction, real estate, and hospitality — not whichever general market is easiest.
An annual review, not a renewal letter
Your exposures change with every project, acquisition, and menu. We review your program against your industry's real claim patterns every year, at no cost.
Not sure where your gaps are?
Bring us your current policies. We'll map your coverages against the real exposures of your industry and show you exactly where you're exposed — at no cost and with no obligation.
Serving New York City & Long Island