Insurance & Compliance Requirements

Kindo takes building compliance seriously. This is what sets the platform apart — and it's what makes buildings willing to open their doors to Kindo providers. Here's what you need.

Required coverage

Each building sets its own insurance requirements — your building's requirements document is the source of truth, and Kindo relays it to you for each job. Most NYC buildings ask for:

• Commercial General Liability (CGL). Most buildings require $1,000,000 per occurrence or more — check the building's requirements for the exact limits. This covers claims related to bodily injury, property damage, and personal injury.
• Workers' Compensation as required by New York State law. If you have employees, this is mandatory. Sole proprietors may be exempt depending on trade — check with your insurer.
• An additional-insured endorsement. For each building you work in, the building's corporation, board of managers, and property management company typically must be named as additional insureds on the policy itself. Kindo will relay exactly who the building requires to be named for each job.

Some buildings have additional requirements, such as higher coverage limits or umbrella policies. You'll see the building-specific requirements when you're invited to bid.

Why this matters

New York's Labor Law (Sections 240 and 241) creates significant liability exposure for building owners when contractors perform work. Buildings that use Kindo expect every vendor to carry proper coverage — it's a baseline requirement, not an option. This protects you, the building, and the residents.

How to submit your documents

When you win a bid, you'll be asked to provide your insurance paperwork for that specific building — two documents, both from your broker:

1. Your ACORD Certificate of Insurance (COI), showing your business name as the Named Insured, coverage types and limits matching the building's requirements, the building's required additional-insured parties (Kindo will specify these), and a Waiver of Subrogation in favor of the building (if required).
2. The additional-insured endorsement itself — either a scheduled endorsement naming the building, or your policy's blanket additional-insured endorsement page (CG 20 10 or similar). A name typed on the certificate alone doesn't change your policy; the endorsement is what actually extends coverage to the building.

You can upload both directly through your Kindo dashboard. Make sure your documents are current — expired coverage will delay the job.

Keeping your documents current

Insurance documents expire. If your coverage lapses, you won't be able to bid on new opportunities or proceed with active jobs. Keep your certificates up to date and upload renewals promptly.