What can I do to make sure my subcontractors have Worker’s Comp? What are my responsibilities if they don’t?

Any subcontractor or independent contractor who has employees is required by law to provide worker’s compensation coverage for them. Make sure you obtain a certificate of insurance (COI) from each of your subs showing their worker’s comp policy number, effective and expiration dates and the name of the insurer. Be sure to ask for a new COI before the expiration date shown in the current COI. If a subcontractor cannot, or will not provide a COI from their worker’s comp insurer, we recommend you consider not doing business with that sub. You could be held responsible for injuries to their employees; injuries for which you have no coverage.

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