Possibly. New York applies its own test, and misclassified contractors surface in audits as back premium.
Only with inland marine or off-premises property coverage. Standard property stops at your own premises.
Almost always. Corporate facilities require a certificate before granting access, often with specified minimum limits.
Both you and the host can be named. General liability responds, and the client will want additional insured status.
Yes. Errors in instruction and licensed material used without clearance are E&O and media claims respectively.
