Does a general contractor need workers’ compensation insurance?

Yes! Workers’ compensation is legally required in nearly all states when you have employees: 

  • Covers medical treatment, wage replacement, and disability benefits if a worker is injured on the job. 
  • Backed by OSHA and federal standards, general contractors must ensure subcontractors also comply and coordinate safety protocols. 
  • Contractors often face fines or work stoppages if proof of coverage is not maintained. 

By Heather

Heather is a skilled content writer with a strong background in English literature and business management. She creates compelling content for small businesses, combining engaging storytelling with data-driven insights to fuel growth and provide real-world insights.