Insurance Requirements

 

The Town of Lewiston insurance requirements are as follows:

 

1.      Liability Insurance requirements:

 

General Liability - $1,000,000 each occurrence and $2,000,000 aggregate.

 

The Town of Lewiston must be listed as Additional Insured.  

 

2.      Worker's Compensation*:

 

Form # C-105.2 (9/07)** or U-26.3

 

The Accord form is NOT acceptable.

 

3.      New York State Disability*:

 

                Form # DB-120.1 (5/06)** with "effective period" beginning and ending dates.

 

                The Accord form is NOT acceptable.

 

*If you are not required to carry Worker's Compensation or Disability, you must complete and return form WC/DB-100 or WC/DB-101 (9/07)**.

 

** Earlier-dated versions of the form are obsolete and are no longer accepted as per the NYS Worker's Compensation Board.

 

A Building Permit will NOT be issued until these forms are received.

Workers Comp Exemption Link

 

HOMEOWNERS TAKE NOTE:

If you're doing your own work you must bring in your homeowner's policy with personal liability displayed, and the Worker's Comp Exemption that applies to you-- click on the link below for instructions.

Request for WC/DB Exemption (Form CE-200) link:

For Homeowners working themselves

For Homeowners as a Business

Insurance Policy Requirements for Homeowners Building Their Own Home or Addition:

ADDITIONS:        Homeowners policy with $500,000 Personal Liability for estimated cost of construction over $15,000 or $300,000 Personal Liability for estimated cost of construction $5,000 - $14,999 AND Workers Comp. and NYS Disability or waiver

 

DWELLING:         General Liability with $500,000 combined single limit including the Town of Lewiston as Additional Insured—has to be approved by Town Insurance Agent AND Workers Comp. and NYS Disability, or WAIVER.