Call Us! Se Habla Español Español ☰ ˟
Logo
Call Us! Se Habla Español Español
Kissimmee Reviews Apopka Reviews
  • Home
  • About Us
    • About Us
    • Areas We ServeImage of right arrow
      • Kissimmee, FL
      • Apopka, FL
    • Our Carriers
    • Our Locations
    • Refer a Friend
    • Privacy Policy
  • Types of Insurance
    • Auto Insurance
    • Business & Commercial Insurance
    • Commercial Auto Insurance
    • Contractors Insurance
    • General Liability Insurance
    • Workers Compensation
    • Home Insurance
    • Renters Insurance
    • SR-22 Insurance
  • Get A Quote
    • Get A Quote
    • Get A SR-22 Insurance Quote
  • Media
    • View our Blog
    • Videos
    • Hurricane Safety Tips
  • Contact Us
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Renters Icon

Renters

We browse through a wide variety of coverages and find the right one for you.

Learn More
Commercial Icon

Commercial

We browse through a wide variety of coverages and find the right one for you.

Learn More
Auto insurance Pricing auto insurance pricing Spanish
Home > Blog > Are My Subcontractors Covered On My Contractors Insurance?
TUESDAY, AUGUST 3, 2021

Are My Subcontractors Covered On My Contractors Insurance?

Your contractors insurance is unlikely to extend to subcontractors, unless you have made specific arrangements with your provider. As a general rule, every contractor, crew or company on a job site is expected to bring their own coverage to the task at hand. 
guy in utility van
Is Subcontractor Insurance Necessary? 

Insurance for subcontractors may not always be a requirement. There are no legal demands for subcontractors to carry insurance. Rather, any requirements to do so will be down to the client's wishes, or to the contractor hiring the subcontractor. 

What If My Subcontractors Aren't Covered? 

If your subcontractors do not carry insurance and they wind up damaging your client's property or injuring someone on the job site, the subcontractor is likely to wind up paying out of pocket for the damages, but there is also a good chance that you, as primary contractor, will be made a target for a lawsuit because you brought uninsured subcontractors onto the job, and your contractors insurance is unlikely to foot the bill if it does not have any provisions for subcontractors. 

How Can Primary Contractors Protect Themselves? 

The easiest way, and perhaps the best way, to ensure that you are protected is to insist that all your subcontractors show insurance certification before beginning the task at hand. It is possible to buy insurance for subcontractors, but at this point you're effectively spending money on someone else's business for them. It is every contractor’s responsibility to ensure that they have protection, be they primary or subcontractor. 

Fortunately, it is not at all difficult to screen subcontractors to ensure that they have full protection. It is not only for your sake and for the client's sake that you should only hire insured subcontractors, but for the subcontractor's sake, as well. Without insurance, one lawsuit can sink a fledgling business. 

 
Posted 4:58 PM

Tags: contractors insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021

  • sr-22 insurance(6)
  • contractors insurance(6)
  • auto insurance(5)
  • home insurance(2)
  • contractor insurance(1)
  • renters insurance(1)

View Mobile Version

Contact Us Today!
833-VIVA4PR
833-848-2477

At The Insurance Store, our mission is to help you insure yourself and your belongings at the lowest cost, quickly and easily!

Contact Us
Social

Resources

  • Products
  • Payment / Claims
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

1906 W Vine St. Kissimmee, FL 34741, USA
P: 407-705-3605 | E: kissimmee1@theinsurancestoreusa.com

529 S Orange Blossom Trail Apopka, FL 32703, USA
P: 407-880-2090 | E: Service@theinsurancestoreusa.com
© Copyright. All rights reserved. | Powered by Insurance Website Builder