Named Insured

I think GT is right. If the contractor needs to be on your property to do work next door, then you can try to condition access on being named as additional insured under the policy as well as on indemnification. that is because the moment a GC or employees, subs etc set foot on your property, you have risk of personal injury liability if someone gets injured while on your property. You don’t really have leverage to be named as additional insured on a property/casualty policy simply by virtue of living next door to the work.

slopefarm

in About Brooklyn 10 years and 2 months ago

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Arkady | 10 years and 3 months ago

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We’ve often recommended on here that someone who has a neighbor doing potentially hazardous work get protection as ‘named insured’ on the neighbor’s policy. A friend of mine tried to do that & the neighbors refused. Is there any City agency that can insist on it or is it just something that an amenable neighbor does?

shahnandersen

in About Brooklyn 10 years and 3 months ago

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Frankly, if there is a serious chance of damage from the work, I would consult an attorney. The few thousand dollars that it will cost to force the neighbor into an agreement is worth it to protect one’s very expensive investment. In today’s regulatory environment it is likely that a lawyer could act to prevent the DOB from issuing a permit absent an agreement from the adjacent property owner.

GreenThinker | 10 years and 3 months ago

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I always thought, that’s only if the contractor (who ever) will be on your property as to do work on his property. So, lets say that he’s got workers on ladders or what ever on your side, and they happen to fall, his insurance will cover you, vs your insurance having to get involved because it happened on your property. But if he’s just working on his property, i think it’s usually that people document the condition of their houses and if damage does occur, then they get a lawyer involved.