Yes. You remain liable for work done on your behalf, and uninsured subs land on your policy.
Yes, but Labor Law 240 makes fall claims severe. Most contracts require excess limits because of it.
Generally not. Rework is a business cost. Resulting damage to other property usually is covered.
Only with tools and equipment coverage. It's the most frequent loss in the trade and isn't part of general liability.
One million per occurrence with two million aggregate is typical, plus excess and additional insured status on New York work.
