Usually, yes. General contractors typically require subcontractors to carry their own general liability coverage and provide a certificate of insurance before work begins. Without your own policy, the general contractor’s insurer may charge them for your uninsured work, which can cost you the job. Carrying your own painters insurance also protects your business directly, since a claim against your work does not disappear just because a general contractor is involved.
Do painters need insurance if they work as subcontractors?
