General Liability (GL) insurance requirements for construction or demolition projects are now in effect. When pulling permits, contractors must provide proof that the new insurance requirements have been met. See RCNY §101-08 for complete information.
For projects requiring additional project-specific insurance, the following documentation must be submitted to the Department before a new or renewed permit will be issued:
Permits that do not require project-specific general liability insurance will expire one year from the date the permit was issued or the day the general liability insurance policy expires, whichever is earlier.
Project-specific general liability insurance is not required for jobs that are:
In addition, project-specific general liability insurance is not required for storage sheds, garages or similar accessory uses for residential structures.
*Note: Tower crane projects are not exempt from these insurance requirements.*
The insurance requirements are determined by: permit type; height and number of stories of the tallest adjacent building; and height and number of stories of the proposed construction.
The following page outlines the new insurance requirements; the table Use these tables to determine the amount of liability insurance the project must have.
To help permittees comply with insurance requirements, the Department created the Project-Specific General Liability Insurance Tool tool to calculate how much an insurance a construction site needs.
For every project that will use a tower crane, the project must have general liability insurance of $80 million, regardless of the permit or scope of work.
|Tallest Adjacent Building||Foundation Permit||Full Demo Permit|
|Less than 7 Stories AND less than 75ft||$5 million||$5 million|
|Between 7-14 stories AND less than 150ft||$10 million||$15 million|
|Less than or equal to 14 stories AND between 75-150ft||$10 million||$15 million|
|Greater than 14 Stories OR greater than or equal to 150ft||$15 million||$25 million|
|Tallest Adjacent Building||Proposed Construction|
|Less than 7 stories
AND less than 75ft
|Between 7-14 stories
AND Less than 150ft
|Less than or equal to
14 stories AND
|Greater than 14 Stories
AND greater than
or equal to 150ft
|Less than 7 stories AND less than 75ft||$5 million||$15 million||$15 million||$25 million|
|Between 7-14 stories AND less than 150ft||$15 million||$15 million||$15 million||$25 million|
|Less than or equal to 14 stories AND between 75-150ft||$15 million||$15 million||$15 million||$25 million|
|Greater than 14 stories OR greater than or equal to 150ft||$25 million||$25 million||$25 million||$25 million|
*Note: A Major Alteration is defined as*