Bill > S07997

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 an owner, contractor, or subcontractor performing construction activities such as erection, demolition, repair, alteration, painting, or cleaning of buildings must include coverage for bodily injury and death. The bill prevents insurers from excluding or limiting coverage for workers protected under Article Ten of the labor law, which typically covers worker safety and compensation rights. By amending Section 3420 of the insurance law, the legislation aims to ensure that workers in the construction industry have robust insurance protection, regardless of the specific tasks they are performing. The law will go into effect 90 days after its passage, giving insurance companies and contractors time to adjust their policies to comply with the new requirements.

Business and Industry

https://www.nysenate.gov/legislation/bills/2025/S7997