New York certificate of insurance requirements
New York's Scaffold Law shapes construction insurance pricing and requirements more than any other state statute. NY also requires DBL and Paid Family Leave alongside WC — coverage gaps that frequently appear on out-of-state insureds' certificates.
Auto liability minimums
$25,000 / $50,000 / $10,000 personal; $1M CSL typical commercial; for-hire trucking subject to federal and NY DOT requirements.
Workers' compensation
Workers' compensation required for virtually every employer with one or more employees. Sole proprietors with no employees may be exempt; corporate officers may exclude themselves but the bar is high.
State-specific quirks
New York imposes absolute liability on owners and contractors for gravity-related construction injuries. Drives AI requirements, umbrella limits, and per-project aggregate on virtually every NYC construction job.
DBL coverage required in addition to WC for most NY employers. Often missing from out-of-state insureds doing work in NY.
PFL coverage is required and is administered alongside DBL; affects how WC certs are issued for NY-based employers.
Notable industry callouts
- Construction. Scaffold Law makes NYC the highest-limit construction market in the country; $25M–$100M wraps not unusual.
- Real estate. Building owners universally require AI endorsements with strict named-entity wording; lender-required limits often govern.
How COIflow handles it
New York requirement profiles live alongside your contract and lease requirements in COIflow, so every cert your agency issues or verifies for a NY-based insured is checked against the right WC threshold, AI wording, and state-specific endorsement forms — without your CSRs having to remember the differences.
Disclaimer. This summary is for reference only. It is not legal advice and not coverage advice. Verify current statutes, regulations, and case law with licensed counsel and your carriers before relying on it for a specific risk.