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.