Legal Question in Insurance Law in New York

Re: Is there a law in New York State that says....

The insurance contract that "covers all work" does not respond to claims of shoddy workmanship. It responds to claims that the work, shoddy or not, caused property damage to property other than the work being constructed, bodily injury, or death.

The contractor is responsible for the bad work. Sue him, and watchi him file bankruptcy and then continue operating with the same employees, same equipment, same clients (except you). You will then have to file suit against the bankruptcy trustee, because there's not a trustee in the system who will proceed against a debtor who steals the company, until and unless you sue the trustee.

The minimum war chest for suing a contractor is $65,000. That's a bare minimum. And unless you have a written contract that calls for payment of attorneys' fees, you will not recover attorneys fees.

Products-Completed Operations responds when the loss occurs after the work is completed.

If you had an architect supervising the project, sue the architect for malpractice and let the malpractice insurance company chase the contractor. They have such a volume business, they can do it for about half the cost of a one-off lawsuit.