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 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.