There are existing laws/regs: Workers comp: "Workers’ compensation insurance is mandatory for most employers of one or more employees." https://www.wcb.ny.gov/

There are existing laws/regs: Workers comp: "Workers’ compensation insurance is mandatory for most employers of one or more employees." https://www.wcb.ny.gov/content/main/Employers/workers-compensation-insurance.jsp https://www.wcb.ny.gov/content/main/Employers/workers-compen... See NY State minimums here: https://www.geico.com/commercial-auto-insurance/states/ny/ https://www.geico.com/commercial-auto-insurance/states/ny/ And also Amazon requires insurance: Amazon Delivery Service Partners (DSPs) must independently secure and maintain comprehensive commercial insurance. Amazon does not provide this coverage for subcontractors. Required policies typically include $1M+ auto and general liability, workers' compensation, and cargo protection, with Amazon explicitly named as an additional insured.