2019 New York Laws
ISC - Insurance
Article 5 - Certificates of Insurance
502 - Prohibitions.

§ 502. Prohibitions. In this state:
  (a)  With  respect  to  a  certificate  of insurance evidencing that a
policy provides personal injury liability insurance or  property  damage
liability  insurance,  as defined in paragraphs thirteen and fourteen of
subsection (a) of section one thousand  one  hundred  thirteen  of  this
chapter,  no  person or governmental entity shall wilfully require, as a
condition of awarding a contract for work, or if a contract has  already
been  awarded  as a condition for work to commence or continue under the
contract, or if the contract has been performed or  partially  performed
as  a  condition for payment to be made under the contract, the issuance
of a certificate of insurance unless the certificate is:
  (1) a form promulgated by the insurer issuing the policy referenced in
the certificate of insurance; or
  (2) a standard certificate of insurance form  issued  by  an  industry
standard-setting organization and approved for use by the superintendent
or any other form approved for use by the superintendent.
  (b)  No  person  or  governmental  entity  shall  wilfully require the
inclusion of terms,  conditions  or  language  of  any  kind,  including
warranties or guarantees, that the insurance policy provides coverage or
otherwise sets forth terms and conditions in a certificate of insurance,
if the insurance policy referenced by such certificate of insurance does
not   expressly  include  such  terms,  conditions,  or  language.  This
subsection shall not prohibit any person  or  governmental  entity  from
including  minimum  insurance  requirements,  coverage limits, terms, or
other conditions in the solicitation of bids as part  of  a  competitive
process,  and  it  shall  not prohibit any person or governmental entity
from requesting, or an insurer or insurance producer from responding  to
such a request with, clarification regarding the terms of the policy, or
endorsement thereto.
  (c)  A  certificate of insurance shall not amend, extend, or alter the
coverage provided by the insurance policy to which  the  certificate  of
insurance  makes reference. A certificate of insurance shall further not
confer to any person any rights beyond those expressly provided  by  the
policy of insurance referenced therein.