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

To work on any Kindo job, you must maintain the following active insurance coverage:

• Commercial General Liability (CGL) with a minimum of $1,000,000 per occurrence. This protects against 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.
• Additional Insured status. For each building you work in, the building's corporation, board of managers, and property management company must be named as Additional Insured on your policy. Kindo will tell you exactly who needs to be named for each job.

Some buildings may have additional requirements beyond these minimums, such as higher coverage limits or umbrella policies. You'll see any 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 Certificate of Insurance for that specific building. You can upload your COI directly through your Kindo dashboard. Make sure your documents are current — expired coverage will delay the job.

Your COI should include:

• Your business name as the Named Insured
• Coverage types and limits matching the requirements above
• The building's required Additional Insured parties (Kindo will specify these)
• A Waiver of Subrogation in favor of the building (if required)

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.