N.Y. General Obligations Law § 5-322.1

GOL § 5-322.1: construction contracts cannot indemnify a party for its own negligence

General Obligations Law § 5-322.1 voids clauses in construction contracts that indemnify an owner or contractor against liability arising from its own negligence.

Official text N.Y. General Obligations Law § 5-322.1 — New York

§ 5-322.1. Agreements exempting owners and contractors from liability for negligence void and unenforceable; certain cases. 1. A covenant, promise, agreement or understanding in, or in connection with or collateral to a contract or agreement relative to the construction, alteration, repair or maintenance of a building, structure, appurtenances and appliances including moving, demolition and excavating connected therewith, purporting to indemnify or hold harmless the promisee against liability for damage arising out of bodily injury to persons or damage to property contributed to, caused by or resulting from the negligence of the promisee, his agents or employees, or indemnitee, whether such negligence be in whole or in part, is against public policy and is void and unenforceable; provided that this section shall not affect the validity of any insurance contract, workers' compensation agreement or other agreement issued by an admitted insurer. This subdivision shall not preclude a promisee requiring indemnification for damages arising out of bodily injury to persons or damage to property caused by or resulting from the negligence of a party other than the promisee, whether or not the promisor is partially negligent.

  • 2. A covenant, promise, agreement or understanding in, or in connection with or collateral to a contract or agreement relative to the construction, alteration, repair or maintenance of a building, structure, appurtenances and appliances including moving, demolition and excavating connected therewith, purporting to condition a subcontractor's or materialman's right to file a claim and/or commence an action on a payment bond on exhaustion of another legal remedy is against public policy and is void and unenforceable; provided that this subdivision shall not affect the validity of any insurance contract, workers' compensation agreement or other agreement issued by an admitted insurer.
  • 3. The provisions of this section shall only apply to covenants, promises, agreements or understandings in, or in connection with or collateral to a contract or agreement, as enumerated in subdivision one hereof, entered into on or after the thirtieth day next succeeding the date on which it shall have become a law.

Text as published in the 2026 snapshot of the code.

Source: Vaquill Open US Law, compiled from official state publishers (huggingface.co), reproduced under license CC BY 4.0.

Read this provision at the official source →

What it actually says

Subdivision 1 voids a particular kind of clause in a particular kind of contract. The contract must be relative to the construction, alteration, repair or maintenance of a building, structure, appurtenances and appliances, including moving, demolition and excavating connected with it. The clause must purport to indemnify or hold the promisee harmless against liability for damage arising out of bodily injury or property damage caused by or resulting from the negligence of the promisee, its agents or employees - "whether such negligence be in whole or in part". Such a clause is against public policy and void and unenforceable.

Two qualifications sit in the same subdivision and are the reason indemnity clauses still appear in New York construction contracts. The section does not affect the validity of any insurance contract, workers' compensation agreement or other agreement issued by an admitted insurer - so insurance and additional-insured arrangements are untouched. And a promisee may still require indemnification for damage caused by the negligence of someone other than the promisee, whether or not the promisor is partially negligent. So a clause covering the subcontractor's own fault is fine; a clause covering the general contractor's fault is not.

Subdivision 2 voids a different clause: one conditioning a subcontractor's or materialman's right to file a claim or start an action on a payment bond upon exhausting another legal remedy first. Subdivision 3 limits the whole section to contracts entered into on or after the thirtieth day after it became law.

When it applies

  • A subcontractor's contract requires it to indemnify the general contractor for the contractor's own negligence.
  • A homeowner is asked to hold a contractor harmless for anything that happens on site.
  • A worker is injured and the parties argue about who bears the loss under the indemnity clause.
  • A subcontractor is told it must exhaust other remedies before claiming on a payment bond.
  • An owner relies on an additional-insured endorsement rather than an indemnity.

What this section does not say

  • It does not void insurance. Insurance contracts, workers' compensation agreements and other agreements issued by an admitted insurer are expressly preserved.
  • It does not void all indemnity. A promisee may still be indemnified for damage caused by someone else's negligence, even where the promisor is partly at fault.
  • It does not apply outside construction, alteration, repair or maintenance of a building or structure and connected work.
  • It does not determine who was negligent - it only removes a clause that would have made the question irrelevant.
  • It does not apply to contracts entered into before its effective date.

Worked examples

Invented situations, written to show how the wording bites. They are not real cases, not judgments and not precedent, and nothing here predicts what would happen in yours.

Illustrative example

A worker is hurt when a site hoist is misused by the general contractor's own crew. The general contractor points to a subcontract clause requiring the subcontractor to indemnify it against all claims arising on site.

How the wording applies

A clause in a construction contract purporting to indemnify the promisee against liability for injury caused by the promisee's own negligence, whether in whole or in part, is void and unenforceable. But the same subdivision preserves indemnity for damage caused by someone other than the promisee, even where the promisor is partly negligent. So it turns on whose negligence caused the injury, which is why the sequence of events on the hoist has to be established before the clause means anything.

How the parties settled it

They agree to establish that sequence jointly through one investigator both accept, and neither raises the indemnity clause again until that report is in front of them.

Illustrative example

A homeowner having a kitchen rebuilt is handed a contract with a clause holding the contractor harmless for anything that happens on site, including the contractor's own mistakes.

How the wording applies

The section reaches contracts relative to the construction, alteration, repair or maintenance of a building and connected work, so a domestic renovation is within it, and a clause covering the contractor's own negligence is void whether or not the homeowner signs. What is untouched is the insurance side: the section expressly does not affect insurance contracts or other agreements issued by an admitted insurer.

How the parties settled it

They drop the indemnity clause and replace it with a requirement that the contractor name the homeowner as an additional insured and hand over the certificate before work starts.

Illustrative example

A subcontractor unpaid for months finds that its contract requires it to exhaust every other legal remedy before it may claim on the payment bond.

How the wording applies

Subdivision 2 voids precisely that: a clause conditioning a subcontractor's right to file a claim or start an action on a payment bond upon exhausting another legal remedy is void as against public policy. The only real limit is in subdivision 3, which is about timing - the section applies to contracts entered into on or after its effective date.

How the parties settled it

They agree a payment schedule for the work already certified and record in it that the bond claim remains available and unconditioned, so neither of them has to test the clause.

How courts have read it

Decisions construing this provision. The question and the summary are ours; the quoted sentence is the court's own words, taken from the published opinion. These are the decisions in our corpus, not every decision there is, and nothing here predicts any other case. Reported 2003 to 2017.

Clavin v. CAP Equipment Leasing Corp., 156 A.D.3d 404 (2017)

Appellate Division

What the court had to decide

Whether a contractual indemnification claim seeking to indemnify a party for its own negligence is enforceable under General Obligations Law § 5-322.1.

What it held

The court held that the contractual indemnification claim was unenforceable because if the indemnitee were found negligent, the clause would violate GOB § 5-322.1, and if not negligent, there would be no basis for indemnification, so summary judgment dismissing the claim was warranted.

In the court's words
If CAP Rents was found to be negligent at trial, the indemnification clause would become unenforceable under General Obligations Law § 5-322.1, since it would indemnify CAP Rents for its own negligence (Itri Brick, 89 NY2d at 794).

11 Essex Street Corp. v. Tower Insurance Co., 153 A.D.3d 1190 (2017)

Appellate Division

What the court had to decide

Whether a contractual indemnification clause that requires an indemnitor to indemnify the indemnitee against its own negligence is void under General Obligations Law § 5-322.1.

What it held

Yes, the entire indemnification agreement is void and unenforceable under General Obligations Law § 5-322.1 because an indemnitee may not require an indemnitor to indemnify it against its own negligence.

In the court's words
Under General Obligations Law § 5-322.1, an indemnitee may not require an indemnitor to indemnify it against its own negligence.

Beniquez v. Teresharan Land Co. of Manhattan, 55 Misc. 3d 517 (2017)

trial courts

What the court had to decide

Whether the indemnification provision in the contract between Teresharan Land and Quattro violated General Obligations Law § 5-322.1 by purporting to indemnify Teresharan Land for its own negligence.

What it held

The court held that the indemnification provision did not violate General Obligations Law § 5-322.1 because it contained a savings clause ('to the fullest extent permitted by law') and excluded liability for the sole negligence of the indemnitee.

In the court's words
Thus, Teresharan Land’s indemnification for liability and attorneys’ fees is subject to the savings clause and thus the indemnification provision does not violate General Obligations Law § 5-322.1.

Muevecela v. 117 Kent Avenue, LLC, 129 A.D.3d 797 (2015)

Appellate Division

What the court had to decide

Whether the party seeking contractual indemnification must prove itself free from negligence due to GOB § 5-322.1, and whether there was a triable issue of fact as to the Owners' negligence precluding summary judgment on contractual indemnification.

What it held

The court held that the Supreme Court should have denied summary judgment on the contractual indemnification claim because CHS raised a triable issue of fact as to whether the Owners were free from negligence, which is required under GOB § 5-322.1 for contractual indemnification to be enforceable.

In the court's words
Accordingly, the Supreme Court should have denied that branch of the Owners’ motion which was for summary judgment on their third-party cause of action for contractual indemnification.

Dreyfus v. MPCC Corp., 124 A.D.3d 830 (2015)

Appellate Division

What the court had to decide

Whether a contractual indemnification clause in a construction contract is void under General Obligations Law § 5-322.1 when the indemnitee's liability is based on its own negligence and there is no evidence of negligence by the indemnitor.

What it held

The court held that the indemnification clause was void and unenforceable under GOB § 5-322.1 because MPCC's potential liability would be based on its own negligence, and since MPCC failed to raise a triable issue of fact, the lower court properly dismissed the contractual indemnification claim.

In the court's words
Since MPCC failed to raise a triable issue of fact in opposition to Canatal’s prima facie showing, the Supreme Court properly granted that branch of Canatal’s motion which was for summary judgment dismissing the contractual indemnification cause of action in the third-party complaint.

Guryev v. Tomchinsky, 114 A.D.3d 723 (2014)

Appellate Division

What the court had to decide

Whether the contractual indemnification clause in the alteration agreement violated General Obligations Law § 5-322.1.

What it held

The indemnification clause did not violate General Obligations Law § 5-322.1 because it did not require Tomchinsky to indemnify the condominium defendants for their own negligence, and since the condominium defendants established their freedom from negligence, the clause as applied does not run afoul of the statute.

In the court's words
Moreover, since the condominium defendants have established their freedom from negligence (see Guryev v Tomchinsky, 87 AD3d 612 [2011]), the contractual indemnification agreement, as applied, does not run afoul of the proscriptions of General Obligations Law § 5-322.1 (see Itri Brick & Concrete Corp. v Aetna Cas. & Sur. Co., 89 NY2d 786, 795 n 5 [1997]; Lazzaro v MJM Indus., 288 AD2d 440 [2001]).

Source: Caselaw Access Project, CC0 1.0 Universal (public domain dedication).

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This page reproduces the text of N.Y. General Obligations Law § 5-322.1 in force at the date shown and explains it in general terms. It is not legal advice and takes no account of the circumstances of your case, which can change the answer completely. For a live dispute, for limitation periods, and before taking any step in court, consult a qualified lawyer in New York.

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