Why do I care about my subs' insurance?

Their mistakes can become your liability, and uninsured subs can be charged to your workers comp at audit. Proper requirements and verified endorsements transfer the risk back to them.

Is a certificate from my sub enough?

No. The additional insured endorsement behind the certificate, ideally on a completed-operations basis, is what protects you. We verify the endorsement, not just the certificate.

What should I require from subs?

Typically adequate general liability limits, additional insured status, a waiver where appropriate, their own workers comp, and auto where they drive. We help you set and verify it.

Subcontractor Insurance Review - Vantage Point Risk

Hiring subs? Their insurance is your exposure.

When you hire subcontractors, their insurance, or lack of it, becomes your problem: uninsured subs can fall to your liability and your workers comp audit. We help you set subcontractor requirements and verify the certificates and endorsements actually transfer the risk.

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A subcontractor insurance review helps a contractor define what coverage to require from subs, collect and verify their certificates and endorsements, and confirm the risk actually transfers. Uninsured or underinsured subs create liability and workers comp audit exposure for the hiring contractor.

Why subs are your exposure

A subcontractor's mistake can become your claim, and a sub who cannot prove workers comp can have their payroll charged to your policy at audit. Collecting a certificate is not enough; the additional insured endorsement behind it, on a completed-operations basis, is what protects you. The gap between a filed certificate and a real endorsement is where hiring contractors get caught.

What to require and verify

Set clear requirements: adequate general liability limits, additional insured status on an ongoing and completed-operations basis, a waiver of subrogation where appropriate, the sub's own workers comp, and auto where they drive. Then verify the endorsements, not just the certificates, and keep them current for the work.

How we help

We help you set subcontractor requirements that match your contracts and risk, review the certificates and endorsements your subs provide, and flag the gaps, missing additional insured, inadequate limits, expired coverage, before they become your claim or audit bill.

Hiring subs? Their insurance is your exposure.

Why subs are your exposure

What to require and verify

How we help

Common questions.

Are your subs actually transferring the risk?

Keep going.

General Contractors

Workers Comp Audit Review

General Liability

Make subcontractor risk actually transfer.