General Contractors Insurance
Workers Compensation Insurance
for General Contractors
As a general contractor, you may have direct employees and multiple subcontractors on the same job site. Workers comp is required for your employees, and your policy may be responsible for uninsured subcontractor workers. Proper sub vetting and WC coverage are essential risk management tools.
Industry-Specific Insight
Why General Contractors Businesses Need Workers Compensation Insurance
As a general contractor, you may have direct employees and multiple subcontractors on the same job site. Workers comp is required for your employees, and your policy may be responsible for uninsured subcontractor workers. Proper sub vetting and WC coverage are essential risk management tools.
Coverage Details
What Workers Compensation Insurance Covers
Key protections included in a workers compensation policy for general contractors operations.
FAQs
Common Questions from General Contractors Businesses
What happens if a subcontractor's employee is injured on my site?
If the subcontractor lacks workers comp, your policy may be held responsible for covering the injured worker's claim. This is why collecting current certificates of insurance from all subs is critical.
How do I manage workers comp costs across different trades on my projects?
Each type of work (carpentry, concrete, electrical, roofing) has a different classification rate. A wrap-up program (OCIP) can consolidate coverage across all workers on a large project at lower overall cost.
Is workers compensation required?
In most states, yes — businesses with one or more employees are required to carry workers comp. Requirements vary by state and sometimes by industry or number of employees. A licensed agent can clarify what applies in your state.
What happens if I don't carry workers comp and an employee is injured?
You could be personally liable for the employee's medical costs and lost wages, face significant fines, and be exposed to a lawsuit. The financial and legal exposure of operating without required coverage is substantial.
Complete Coverage
Other Coverages General Contractors Businesses Commonly Need
A complete protection plan for general contractors operations typically includes several complementary coverages.
General Contractors · Workers Compensation
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