Bill > A08127

This bill enacts the Construction Laborer Insurance Protection Act (CLIPA), which requires insurance policies for construction-related work to provide comprehensive coverage for worker injuries and deaths. Specifically, the bill mandates that any insurance policy issued to owners, contractors, or subcontractors performing construction activities such as erection, demolition, repair, alteration, painting, or cleaning of buildings must provide full coverage for bodily injury and death. The bill prohibits insurance providers from excluding or limiting coverage for activities or workers protected under Article Ten of the labor law, which typically deals with worker safety and rights. By adding this provision to the existing insurance law, the bill aims to ensure that workers in the construction industry have robust insurance protection, reducing potential gaps in coverage that could leave workers vulnerable in case of workplace accidents. The legislation will go into effect 90 days after it becomes law, giving insurance providers time to adjust their policies to comply with the new requirements.

Business and Industry

https://www.nysenate.gov/legislation/bills/2025/A8127