CHECKLIST OF CONSTRUCTION REQUIREMENTS

DOCUMENTS WE REQUIRE

Email all of the following in one email to Constructioncompliance@oberman.com
1. Certificate of Liability Insurance from the general contractor (GC).
2. Acord 855 NY from the GC
3. Full copies of General Contractors General Liability and Umbrella Policies
4. Contract with required insurance language and hold harmless/indemnification wording from the GC.
5. Completed construction compliance review questionnaire.

Additional Notes:

A copy of the general contractor's general liability policy must be provided for review if the job includes subcontractors. This is so we can check the policy for Subcontractor Coverage, Limitation, Hammer, Exclusion
1. If the General Contractor has ANY subcontractor hard hammer or exclusion then ALL subcontractors must follow requirements 1,2,3 & 4.
2. If the GC has a Subcontractor Hard Hammer in their policy, then the insurance company or GC's insurance broker must certify on their letterhead that the insurance and subcontractor agreement for each sub is acceptable to the terms of the hard hammer in the GC's policy.
If the building owner is directly hiring a sub other than GC then requirements 1,2,3&4 apply to the subcontractor being directly hired.

Construction Compliance FAQ

What is the process of the construction compliance review?

Send the required documents by email to Constructioncompliance@oberman.com
The review will be assigned to a member of our staff. You will receive a response within 48 hours, with approval or a request for further questions or comments.
Depending on the information in the documents submitted, your contractor may need to provide further documentation.
Upon final approval or rejection, a confirmation email will be sent to the Building Owner and property manager.

Which documents need to be submitted?

The following documents should be submitted to constructioncompliance@oberman.com:

Certificate of Insurance
Acord 855 NY (Click here for sample)
Complete General Contractors General Liability and Umbrella policies including all the forms and endorsements.
A contract between Contactor and Building Including
1. Insurance Requirments
2. Indemnification
3. Hold harmless language
Construction Compliance Review Questions

What are you looking for in a contract?

What is labor law (action over) and why isn't it covered by worker's compensation?

Labor Law (action over) applies when an employee of a contractor is injured. While the employee will collect workers compensation from their employer, workers compensation will not provide protection if that employee sues the building under the NY Labor Law. We require the contractor to provide indemnification, in the event that the employee sues the building. This is why we make sure the contractor's general liability insurance is not excluding this coverage.

Please click here for a more in-depth discussion on workers' compensation and labor law.

Please click here to learn more about NY Labor Law.

What types of work are eligibile under New York Labor Law?

What is the difference between the additional insured endorsements?

What is a subcontractor hammer, exclusion?

A general contractors general liability insurance policy can cover the work of their subcontractors in the following ways:

They can simply cover any work their contractors does
Hard Hammer: They can cover work their contractor does but only if the general contractor and subcontractor have proper contracts. Otherwise, without a proper contract, the general contractor's insurance will not respond. If this were the case we would need to review all subcontractor's insurance. Example 1 Example 2
Soft Hammer: They can cover work their contractor does but only if the general contractor and subcontractor have proper contracts. Otherwise, without a proper contract, the general contractors' insurance will respond, but with a separate deductible. Example
Exclusion: The General contractor's insurance may exclude any work of a subcontractor. If this were the case we would need to review all subcontractor's insurance.