Insurance Certificates for NYC Flooring Work

Before flooring work starts in a Manhattan co-op or condo, ask the managing agent for the building's insurance requirements. Share that list with each contractor so you can compare the same scope of work and paperwork.

The COI

A certificate of insurance, or COI, provides evidence of an insurance policy. For general liability coverage, check the contractor's name, policy dates and limits against the building's requirements.

A certificate does not change the policy or create coverage. If the building requires additional-insured status, have the contractor's insurance agent confirm the relevant policy provisions or endorsements.

The Workers’ Comp Certificate

New York generally requires employers to carry workers' compensation coverage for their employees. Ask the contractor for the proof of coverage your building requires and confirm that the employer named is the one supplying the crew.

You can check employer coverage through the New York Workers' Compensation Board.

Have the managing agent or your insurance adviser review any questions about the documents before work starts.

Compare the Same Requirements

Workers’ compensation premiums for flooring installers are a real, recurring cost, and so is proper liability coverage.

A lower price alone does not tell you whether a contractor is insured. Request the documents from every bidder and check them alongside the material and installation scope.

How to Check

Request the certificates early. Check policy dates, required limits and the building's requested entities, then ask the managing agent to confirm acceptance.

Allow time for the insurance agent to issue or correct the paperwork before delivery and installation.

Send us your building's insurance requirements with the project details so we can review the paperwork needed for the flooring work.