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 (9/17)** or U-26.3
The Accord form is NOT acceptable.
3. New York State Disability*:
Form # DB-120.1 (12/21)** 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.
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
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.
