Wholesale placement for the risks admitted carriers decline
StrataCover Network is an independent E&S wholesale brokerage in Melville, NY, built for retail brokers placing high-hazard New York construction risks. We structure non-admitted primary and excess programs for contractors that standard markets routinely decline.
New York Labor Law §§ 240/241 impose near-absolute liability on owners and contractors for gravity-related injuries. Admitted carriers have steadily withdrawn from the class, leaving retail brokers to source surplus lines capacity for primary GL, excess, and umbrella layers. Wholesale access is no longer optional for this class — it is the market.
Primary general liability on A-rated surplus lines paper, layered excess and umbrella towers, Builder's Risk, and Action Over exposures — structured with contractual risk transfer upstream to subcontractors so the coverage architecture holds before any policy responds.
Submissions route digitally through the StrataCover platform with automated completeness scoring, statutory compliance checks, and direct market routing. Retail brokers keep their client relationship; we handle clearance, carrier negotiation, and binding.
Led by Michael H. Jenkins, Founder & Managing Director — licensed NY Property & Casualty and Excess Line broker.
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