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Why Oberman?
OberInsured
Commercial Lines
Personal Lines
Life & Health
Contact Us

Address: 800 Westchester Ave Suite S-628, Rye Brook, NY 10573
Phone: (914) 694-8550
Email: doberman@oberman.com

Why Oberman?
OberInsured
Commercial Lines
Personal Lines
Life & Health
Contact Us

Contractor Insurance Checklist

CONTRACTOR INSURANCE REVIEW FOR PROPERTY MANAGERS

Step 1 of 4

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Contractor General Information
Contractor Entity Name*
Contractor Address*
Street Address City State ZIP Code
Contractor Insurance Contact*
First Last
Contractor Insurance Contact Phone*
Contractor Insurance Contact Email*
Enter Email Confirm Email
Are you the unit owner or contractor submitting these documents*
Are you being hired directly by the unit owner or are you working through a contractor.*
Are you hiring this specific contractor directly or through a GC*
Does this job involve subcontractors?*
Does the GC's general liability insurance cover subcontractors/independent contractors?*
Will the subcontractor be using any subcontractors?*
Does your general liability insurance cover subcontractors/independent contractors?*
Does your general liability insurance cover subcontractors/independent contractors?*
How does your subcontractor/independent contractor requirement endorsement apply*
Does this job include structural or load bearing work?*
As a contractor hired directly by the unit owner you need to submit the following
Because of the GC's insurance limitations in regards to subcontractors, the subcontractor will need to submit same information as general contractor
Because you are subcontractor using another subcontractor, you will need to submit same information as if you were a general contractor
As a subcontractor you are required to submit the following documents
As a subcontractor you are required to submit the following documents
Certificate of Insurance Acord 855 NY
I have the items ready to upload*
BUILDING INFORMATION
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Building Entity Name*
Building Address*
Unit Owner Name*
Unit #*

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CONTRACT QUESTIONS
Upload copy of contract with unit owner*
Drop files here or

Accepted file types: jpg, gif, png, pdf, Max. file size: 98 MB, Max. files: 10.
The contract includes*
- Holdharmless and Indemnification Language
- No holdharmless and indemnification language
- Insurance Requirements
- No Insurance Requirements
Does the contract specifically require*
- General Liability
- Workers Compensation
- Automobile Liability
- Umbrella/Excess Liability
What is the general liability limit required in the contract*
?/? Per Occurrence / Aggregate
What is the Umbrella/Excess Liability Limit Required in the contract*
Which of the following are required in the contract as respects General Liability*
- Unit Owner Included as Additional Insured
- Building Entity included as Additional Insured
- Property Manager Included as additional insured
- Additional Insured is required on an ongoing and completed operations basis
- Completed Operations coverage for 3 or more years
- Primary and Non Contributory Wording
- Waiver of Subrogation Wording
- Per project or per location aggregate
- Requirement for no action over exclusion (Labor Law Exclusion)
- None of the above
Is the following required in regards to Umbrella/Excess*
- A specific limit of liability
- No specific limit of liability
Is the contract signed by both parties*
CERTIFICATE OF LIABILITY QUESTIONS
Please upload certificate of liability insurance
Drop files here or

Accepted file types: jpg, gif, png, pdf, Max. file size: 98 MB, Max. files: 10.
General Liability Policy Expiration Date*
MM slash DD slash YYYY
In regards to the certificate of liability*
ACORD 855 NY QUESTIONS
Upload Acord 855 NY
Drop files here or

Accepted file types: jpg, gif, png, pdf, Max. file size: 98 MB, Max. files: 10.
What is the answer for Section D. Additional insured endorsement*
- CG 20 10 (ONGOING OPERATIONS)
- CG 20 37 (COMPLETED OPERATIONS)
- CG 20 33 (BLANKET ONGOING OPERATIONS)
- CG 20 26 (BLANKET ONGOING OPERATIONS)
- CG 20 32 (BLANKET ONGOING OPERATIONS)
- OTHER
- SECTION NOT COMPLETED
Choose all that apply
Since you are not using CG Forms we need to review the Additional insured forms being used.*
Drop files here or

Accepted file types: jpg, gif, png, pdf, Max. file size: 98 MB, Max. files: 10.
If you do not have the form save and return with endorsement upload before submitting.
Answer to question H. "Insured contract" exception to the employers liability exclusion is removed or modified (GL policy)*
- Yes
- no other option is available with this insurer
- No changes made
Answer to question I. GL policy (including endorsements) does not cover the additional insured for claims involving injury to employees of the named insured or subcontractors (not workers' compensation)*
- Yes
- no other option is available with this insurer
- No changes made

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CONTRACTOR INSURANCE CONCERNS
There is structural work
Any structural work should flag a more detailed review of insurance requirements
No Hold harmless and Indemnification language in the contract
Not acceptable - No holdharmless and indemnification language
No Insurance Requirements in the contract
Not Acceptable - No insurance requirements in the contract
Missing Insurance Requirements
Contract should require General Liability, Workers Comp, Automobile Liability, Umbrella/Excess Liability
Missing Insurance Requirements Part 2
The contract does not include some or all of the following required insurance endorsements. Review what is missing and add to the contract. Additional Insured Language including Building and Property Manager A specific limit of liability Products and Completed Operations Primary and Non Contributory Wording Waiver of Subrogation Per project or per location aggregate No action over exclusion
No proper signed contract
Not Acceptable - Without a proper signed contract the insurance is not valid
Umbrella Concern
Umbrella/Excess liability limit must be specified in the contract
No certificate of insurance
Cannot approve project without certificate of liability insurance
Limits between contract and certificate not consistent
The contract amount should be increased if the contractor has higher limits of insurance. If the contract has higher limits than the certificate of insurance than the contractor must increase their limits
No Acord 855 NY
Cannot approve project without Acord 855 NY
Additional Insured Language Concerns
If carrier is not using CG 2037 or equivalent you are missing completed operations coverage. Without completed operations coverage no coverage once contractor leaves the building. This cannot be approved.
Additional Insured Language Concerns Part 2
Additional insured form CG 20 33 cannot be accepted as coverage only applies to the parties that sign the contract. Would not apply to building or property manager.
Acord Question H
Possibly labor law exclusion OR subcontractor labor law limitation or Hammer. Ask for complete copies of policies to review policy language
Acord Question I
ANSWER ON ACORD 855 NY IS NOT ACCEPTABLE - LABOR LAW EXCLUSION
Subcontractor Coverage Limitations

Because of your policy limitations, your subs must provide the same information for review as if they were a general contractor. -Certificate of insurance -Acord 855 NY -Contract with sub (Either with GC or Unit owner) -Copy of General Liability Policy

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Any other documents you want to upload.
Drop files here or

Accepted file types: jpg, gif, png, pdf, Max. file size: 98 MB, Max. files: 5.
hCaptcha*

Save and Continue Later

Would You Like Us To Review Your Policies?

1Products

2Contact Info

3Location

4Documents

5Final Comments

Hello! What would you like a quote for?*
- Auto
- Home / Condo / Renters
- Business Owners Package
- Umbrella
- Rental Property
- Motorcycle
- Boat
- Life or Health
Check all that apply. You can tell us if there is something else you need a quote for in just a moment.

Primary Policyholder Name*
First Last
Phone*
Email*

Insured Location Address*
Street Address Address Line 2 City State ZIP Code

This is not required, but if readily available, please upload your most current insurance policy coverage declarations pages in PDF format so we can see the exact coverage limits you'd like us to compare. These can be easily downloaded from your online profile with your current provider (if you have a login), or from your current agent.
Drop files here or

Max. file size: 98 MB.

What led you to request this quote?*
- Internet Search
- Facebook Search/Page
- Referral
Who referred you to us?*
If you have any other questions, comments or requests, please leave them here
hCaptcha*

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at The Oberman Insurance is here and ready to make the process as painless as possible. We look forward to meeting you!

Address: 800 Westchester Ave Suite S-628, Rye Brook, NY 10573
Phone: (914) 694-8550
Email: doberman@oberman.com
Opening hours 9:00 am – 5:00 pm M-F

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