It raises third-party exposure. Disclose occupied and public-adjacent work when applying.
Inland marine or equipment coverage handles it in transit and erected. General liability doesn't cover your own property.
One million primary with substantial excess is standard, and height work often pushes requirements higher.
Yes. General liability covers damage to adjacent property and injury to passers-by, which is common in urban work.
Scaffold work plus heavy material. Labor Law 240 makes fall claims severe and difficult to defend.
