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Certificate of Insurance Requirements in New York

New York contractors must carry workers comp and disability insurance; COI verification is standard in NYC construction and property management.

What contractors in New York must carry

Workers comp + disability insurance mandatory; GCs verify additional insured endorsements on every subcontract.

Key facts about New York COI compliance

  • New York requires workers comp and disability insurance for contractors
  • NYC construction has some of the strictest COI verification in the country
  • Scaffold law exposure pushes GCs to demand strong additional insured coverage

Typical requirements in New York

General liability$1M+ per occurrence with additional insured
Workers compensationMandatory for all employers + disability insurance
Additional insuredWidely required in construction

Typical contract terms in New York — always confirm with your legal counsel and insurer.

Statutory basis

Key references: New York Workers’ Compensation Law. Note that contract requirements often exceed state law — most commercial agreements in New York require $1M+ general liability and additional insured endorsements regardless of statute.

How COIFort keeps you compliant in New York

You define the requirement template once — coverage types, minimum limits, additional insured. Every certificate a New York-based vendor uploads is automatically verified against it, and renewal reminders fire before any expiration. Your certificate history is audit-ready 24/7.

Frequently asked questions about New York COI requirements

Workers comp + disability insurance mandatory; GCs verify additional insured endorsements on every subcontract. In New York, coverage rules are defined by New York Workers’ Compensation Law. COIFort lets you require workers comp from every contractor and flags any certificate that does not include it.
New York contractors must carry workers comp and disability insurance; COI verification is standard in NYC construction and property management. Beyond state law, most commercial contracts in New York require $1M+ general liability and additional insured endorsements — COIFort verifies every submitted certificate against your exact template.
COIFort emails each contractor a secure upload link, verifies coverage types, limits and dates against your requirements, and reminds both sides before any certificate expires. No spreadsheets, no chasing.