What if my subcontractor doesn’t have insurance?

If your subcontractor doesn’t have his or her own General Liability, you can be held liable for claims made against the subcontractor.  This is because the General Contractor is considered to be in charge of the worksite, and therefore, is responsible for the safety of the public at that site.  Beware of policies sold by some insurance companies that exclude claims arising out of the work performed for you by subcontractors.  See our General Liability page and Beware the Subcontractor gap to learn more.

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