How Insurance Paperwork Works on Kindo

Hiring someone to work in your home involves real risk. Kindo's role is the paperwork: we collect vendors' insurance documents, relay your building's requirements, and route everything to your building management to review and confirm.

Why this matters

New York's Scaffold Law (Labor Law 240) imposes absolute liability on property owners for gravity-related injuries — regardless of fault. If a worker is injured in your home and they don't carry proper insurance, you and your building may be responsible. The difference isn't whether an accident happens — it's who pays when it does. Average claims exceed $1 million (Willis Towers Watson, 2023).

Most homeowners don't think about this when hiring a contractor from a listing site or a neighbor's recommendation. Kindo does.

What vendors must submit

Vendors must submit insurance documentation that meets your building's own requirements — most NYC buildings ask for:

• Commercial general liability insurance
• Workers' compensation coverage as required by New York State
• An additional-insured endorsement naming the building

Your building's requirements document is the source of truth. The paperwork is organized into a Vendor Access Packet that your building management reviews and confirms — the same documents professional property management firms request, collected for every Kindo job.

You don't have to chase paperwork

With a traditional contractor, someone — usually a board member or property manager — has to request insurance documents and chase them until they arrive. This process can take days or weeks. With Kindo, once your building picks a vendor, Kindo sends your building management the vendor's paperwork in one place and asks the vendor for anything still missing. Your building management decides whether it meets the building's requirements. The vendor can't confirm the booking — and no one is charged — until the building's sign-off is recorded, unless your building has told us it needs none.

Kindo tracks the record across every job

Kindo tracks vendor performance across every job and every building in the network. If a vendor fails to meet quality standards with one neighbor, their entire track record reflects it. This means vendors have strong incentives to deliver quality work — one bad job doesn't just affect one customer, it affects their standing across Kindo.