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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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.
Common questions.
Why do I care about my subs' insurance?
Is a certificate from my sub enough?
What should I require from subs?
Are your subs actually transferring the risk?
Filed certificates without real endorsements leave the risk with you. We check that your subs' coverage protects you.
Make subcontractor risk actually transfer.
Tell us about your subs and contracts and we will set the requirements and verify the coverage.