Industry Insights & Resources

Over the past decade, Umbrella Liability Coverage for construction contractors has steadily climbed in both size and complexity. Benchmarking data from 2016 through 2025 shows a clear pattern: higher limits, more layered coverage structures, and widening regional differences, especially between national markets and the state of New York. At a national level, typical Umbrella limits for construction firms in 2025 fell between $5 million and $10 million. In the state of New York, however, limits are significantly higher – often coming in at $10 million to $25 million or more, particularly for street, infrastructure, and public works projects. Heavy civil contractors may carry umbrella programs reaching $15 million to $50 million, often structured across multiple excess layers.

Burns are an underestimated hazard on construction sites, yet they occur more frequently than many realize. From contact with hot surfaces or steam to electrical arcs, chemicals, and sun exposure, the risk of burns is present in nearly every phase of a project. Preventing these injuries requires awareness, proper training, and consistent safety practices across the jobsite.

Winter weather doesn’t slow construction, but it does introduce risks that demand a higher level of planning, awareness, and leadership. As temperatures fall, cold exposure can quickly affect worker safety, job site performance, and overall productivity. From reduced dexterity to impaired judgment, the effects of cold weather are real and preventable with the right approach.

At Patriot Growth Insurance Services (Patriot), we help businesses of all sizes protect what they’ve built because risk today goes […]

In today’s employment market, it’s not enough to offer just a good salary. Employees expect benefits that protect them financially […]