What are the mandatory COI insurance limits for a General Contractor / Commercial Builder in New York?

Standard general contractors and commercial projects in New York require $1,000,000 per occurrence, $2,000,000 general aggregate, and $5,000,000 umbrella coverage per NYS Department of State & NYC DOB guidelines.

Why do general contractors reject ACORD 25 certificates?

The top 3 reasons for certificate rejection are: (1) Missing completed operations additional insured endorsements (CG 20 37), (2) General aggregate limit set below project specifications, and (3) Fatal Action Over or Labor Law 240 exclusion endorsements.

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General Contractor / Commercial Builder COI Requirements in New York

Verified compliance checklist for subcontractors operating in New York under NYS Department of State & NYC DOB.

Statutory Policy Minimums

Coverage Type	Mandatory Specification
General Liability (Each Occurrence)	$1,000,000
General Aggregate Limit	$2,000,000
Umbrella / Excess Liability	$5,000,000
Workers' Compensation	Strict Labor Law 240/241 (Scaffold Law) strict liability
Regulatory Oversight	NYS Department of State & NYC DOB

Mandatory High-Risk Endorsements

Subcontractors in General Contractor / Commercial Builder are routinely exposed to exclusions that leave General Contractors liable. Verify these endorsements are attached:

🛡️ Action Over Exclusion Removed🛡️ Blanket Additional Insured CG 20 10 & CG 20 37🛡️ Per Project Aggregate CG 25 03

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