N.Y. ISC Law § 502

§ 502. Prohibitions. In this state:\n (a) With respect to a certificate of insurance evidencing that a\npolicy provides personal injury liability insurance or property damage\nliability insurance, as defined in paragraphs thirteen and fourteen of\nsubsection (a) of section one thousand one hundred thirteen of this\nchapter, no person or governmental entity shall wilfully require, as a\ncondition of awarding a contract for work, or if a contract has already\nbeen awarded as a condition for work to commence or continue under the\ncontract, or if the contract has been performed or partially performed\nas a condition for payment to be made under the contract, the issuance\nof a certificate of insurance unless the certificate is:\n (1) a form promulgated by the insurer issuing the policy referenced in\nthe certificate of insurance; or\n (2) a standard certificate of insurance form issued by an industry\nstandard-setting organization and approved for use by the superintendent\nor any other form approved for use by the superintendent.\n (b) No person or governmental entity shall wilfully require the\ninclusion of terms, conditions or language of any kind, including\nwarranties or guarantees, that the insurance policy provides coverage or\notherwise sets forth terms and conditions in a certificate of insurance,\nif the insurance policy referenced by such certificate of insurance does\nnot expressly include such terms, conditions, or language. This\nsubsection shall not prohibit any person or governmental entity from\nincluding minimum insurance requirements, coverage limits, terms, or\nother conditions in the solicitation of bids as part of a competitive\nprocess, and it shall not prohibit any person or governmental entity\nfrom requesting, or an insurer or insurance producer from responding to\nsuch a request with, clarification regarding the terms of the policy, or\nendorsement thereto.\n (c) A certificate of insurance shall not amend, extend, or alter the\ncoverage provided by the insurance policy to which the certificate of\ninsurance makes reference. A certificate of insurance shall further not\nconfer to any person any rights beyond those expressly provided by the\npolicy of insurance referenced therein.\n