New York Labor Law sections 240 and 241 impose near-absolute liability on owners and contractors for gravity-related worker injuries. Defenses that work elsewhere often don’t apply here, so claim severity runs much higher and most contracts require substantial excess limits.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
