Do subcontractors need their own insurance? 

Yes. Most general contractors require subcontractors to carry their own general liability and workers compensation coverage before starting work. Subcontractors without their own policies can also be charged against the hiring contractor’s premium at audit. Carrying your own coverage keeps you eligible for jobs and protects your own business. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.