All NYC buildings require insurance certificates for work to be done in your apt. That includes trash out. Some buildings to not enforce it. For your own security and peace of mind it is best to get an insurance certificate. If you want to take the chance, then go for it. By any legal document you have for living in that building you are responsible for anything that is done to the building. There are 100 things that could go wrong and you would be on the hook. Weigh the risks involved.