Insurance Frequently Asked Questions

As long as the insurance policy is project specific, an aggregate policy is sufficient.

As long as the insurance policy is project specific, an umbrella policy is sufficient

Section §101-08 of the Department's Rules, subdivision (d)(1)(E)(1)(3) is clarified in the following way: the words "contractual liability exclusion" may be understood as "an insured contract exception no less favorable to the insured than the latest Insurance Services Office Form CG 00 01."

The Department will not enforce subdivision (d)(1)(F) beyond what is already required under the New York Insurance Law regarding notice of cancellation or termination of General Liability Insurance policies.

The Department will not enforce the project specific general liability requirements of Section 101-08 of the Department's Rules if the site is enrolled in the Department's Stalled Sites Program and an adequate CCD1 has been submitted to the Department's Excavation Unit demonstrating that the adjacent property has been protected. Before re-commencing work, evidence of insurance in accordance with the Rule shall be provided to the Department.

The project-specific general liability insurance, required by Section 101-08 of the Department's Rules, does not need to be purchased by the entity that the permit is issued to. It can be purchased by another entity involved on the project (i.e. the Owner, Developer, General Contractor, etc.), as long as it fully satisfies the requirements of the Rule.

Proof of project specific general liability insurance (which must be a completed PGL1 form and a Certificate of Liability) should be submitted to your borough office permit clerks or permit renewal staff when obtaining a new or renewed permit.

As long as the insurance policy is project specific, an aggregate policy is sufficient.

As long as the insurance policy is project specific, an umbrella policy is sufficient.

Section §101-08 of the Department's Rules, subdivision (d)(1)(E)(1)(3) is clarified in the following way: the words "contractual liability exclusion" may be understood as "an insured contract exception no less favorable to the insured than the latest Insurance Services Office Form CG 00 01."

The Department will not enforce subdivision (d)(1)(F) beyond what is already required under the New York Insurance Law regarding notice of cancellation or termination of general liability insurance policies.

The Department will not enforce the project specific general liability requirements of Section 101-08 of the Department's Rules if the site is enrolled in the Department's Stalled Sites Program and an adequate CCD1 has been submitted to the Department's Excavation Unit demonstrating that the adjacent property has been protected. Before re-commencing work (and as a condition to remove the site from the Department's Stalled Sites Program), evidence of insurance in accordance with the rule shall be provided to the Department.

The project-specific general liability insurance, required by Section 101-08 of the Department's Rules, does not need to be purchased by the entity that the permit is issued to. It can be purchased by another entity involved on the project (i.e. the owner, developer, general contractor, etc.), as long as it fully satisfies the requirements of the rule.

Proof of project specific general liability insurance (which must be a completed PGL1 form and a Certificate of Liability) should be submitted to your borough office permit clerks or permit renewal staff when obtaining a new or renewed permit.

*Note: If you have any additional questions that are not answered in the above information or are still unclear about the project specific General Liability Insurance requirement, please contact the Licensing Unit.*