{"id":9530,"date":"2025-12-09T00:05:00","date_gmt":"2025-12-09T08:05:00","guid":{"rendered":"https:\/\/www.businessinsuranceusa.com\/news\/?p=9530"},"modified":"2026-03-17T12:49:39","modified_gmt":"2026-03-17T19:49:39","slug":"do-subcontractors-need-their-own-insurance-if-im-the-gc","status":"publish","type":"post","link":"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/do-subcontractors-need-their-own-insurance-if-im-the-gc\/","title":{"rendered":"Do Subcontractors Need Their Own Insurance If I\u2019m the GC?"},"content":{"rendered":"\n<p class=\"yoast-reading-time__wrapper\"><span class=\"yoast-reading-time__icon\"><svg aria-hidden=\"true\" focusable=\"false\" data-icon=\"clock\" width=\"20\" height=\"20\" fill=\"none\" stroke=\"currentColor\" style=\"display:inline-block;vertical-align:-0.1em\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M12 8v4l3 3m6-3a9 9 0 11-18 0 9 9 0 0118 0z\"><\/path><\/svg><\/span><span class=\"yoast-reading-time__spacer\" style=\"display:inline-block;width:1em\"><\/span><span class=\"yoast-reading-time__descriptive-text\">Estimated reading time: <\/span><span class=\"yoast-reading-time__reading-time\">4<\/span><span class=\"yoast-reading-time__time-unit\"> minutes<\/span><\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-ai-summarize yoast-ai-summarize\"><h2>Key Takeaways<\/h2>\n<ul class=\"wp-block-list yoast-ai-summarize-list\">\n<li>General contractors (GCs) should ensure subcontractors have their own insurance to minimise liability risks during projects.<\/li>\n\n\n\n<li>Subcontractors typically need general liability and workers&#8217; compensation insurance to protect themselves, especially when required by contracts or law.<\/li>\n\n\n\n<li>Gaining proof of insurance from subcontractors is crucial; GCs might request a Certificate of Insurance (COI) before project commencement.<\/li>\n\n\n\n<li>Verifying a COI involves checking for authenticity, ensuring coverage meets contractual obligations, and confirming agent information.<\/li>\n\n\n\n<li>USA Business Insurance can assist GCs in finding appropriate insurance coverage for themselves and subcontractors.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<p>As a General Contractor, when working on a job, you should consider that things could go wrong during the project. Liability exposure is a major part of the job, and if something does happen, your insurance coverage will likely be involved.<\/p>\n\n\n\n<p>Subcontractors that you work with usually have their own insurance policy for their business operation, especially when contracts, clients, or state law require it, but legal requirements vary by jurisdiction and the agreement\/contract they have. Subcontractors typically need to carry their own general liability and <a href=\"https:\/\/www.businessinsuranceusa.com\/workers-comp-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">workers\u2019 compensation<\/a> policies to protect themselves and satisfy GC contracts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-should-subs-have-their-own-coverage-nbsp\">Why Should Subs Have Their Own Coverage?&nbsp;<\/h2>\n\n\n\n<p>While general liability may not be mandated by law in all states, workers&#8217; comp and commercial auto insurance may be required by state laws and regulations. That being said, it is a best practice for <a href=\"https:\/\/www.businessinsuranceusa.com\/business-insurance-general-contractors\" target=\"_blank\" rel=\"noreferrer noopener\">general contractors<\/a> to require subcontractors to have their own insurance policy to protect themselves from liability when accidents occur that are in the subcontractor\u2019s scope of work.<\/p>\n\n\n\n<p>With subcontractor insurance coverage, subcontractors are protecting themselves from high costs. Think about injuries related to dangerous work. If something may go wrong, huge legal fees and settlement amounts may be on the horizon. And we\u2019re talking big, if a pedestrian suffered a severe injury.<\/p>\n\n\n\n<p>As a GC, though, you care less about the protection it affords the subcontractor and more about the transfer of risk aspect. You want the subcontractor\u2019s insurance to protect you and the owner when something goes wrong with the subcontractor\u2019s work. No one wants to be left holding the bag when an accident occurs.<\/p>\n\n\n\n<p>The best way to ensure that this is the case is by adding requirements to a tightly worded contract. As the GC, you should require your subs to provide proof that they\u2019re duly insured. You may <a href=\"https:\/\/www.businessinsuranceusa.com\/news\/insurance\/how-to-get-acord-25-certificate-of-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">request proof of a COI<\/a> before allowing your subcontractor to start the project.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-can-i-verify-a-coi-nbsp\">How Can I Verify A COI?&nbsp;<\/h2>\n\n\n\n<p>Request the <a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/certificate-of-insurance-what-is-it-and-how-do-i-get-it\/\">COI<\/a> directly from the subcontractor\u2019s agent or broker to confirm that the subcontractor is not forging the COI to get the bid. The general contractor may be left on the hook if the subcontractor\u2019s insurance coverage is not verified and there is no adequate coverage in place. Make sure your business is listed as an <a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/additional-insured-business-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">additional insured<\/a> as required by contract. In addition, you may request waiver of subrogation, primary non-contributory and 30-day notice of cancellation endorsements.<\/p>\n\n\n\n<p>Many companies use an ACORD form as evidence of insurance. The font and spacing should be consistent throughout. There shouldn\u2019t be blurry words or odd-looking fonts that look out of place.<\/p>\n\n\n\n<p>You could also check the carrier&#8217;s rating on the <a href=\"https:\/\/web.ambest.com\/home\" target=\"_blank\" rel=\"noreferrer noopener\">AM Best<\/a> website. Also, make sure that the subcontractor\u2019s agent\u2019s information is fully complete on the certificate.<\/p>\n\n\n\n<p>And if you\u2019re still not sure, reach out to the agent directly. Use the phone number provided on the COI. You can ask the agent about policy exclusions or any questions you have about the policy. You can also confirm the coverage limits. You can even ask about any specific endorsements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-trust-usa-business-insurance-for-your-commercial-insurance-needs\">Trust USA Business Insurance For Your Commercial Insurance Needs<\/h2>\n\n\n\n<p>As a GC, you\u2019ve got enough on your plate. Whether or not you are properly insured should be a big concern for you. Thankfully, the team at <a href=\"https:\/\/www.businessinsuranceusa.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">USA Business Insurance<\/a> is here to help you find the right coverage. And if one of your subcontractors is in need of coverage, we may help them, too, by placing them with the right carrier based on their insurance requirements.<\/p>\n\n\n\n<ul class=\"wp-block-yoast-seo-related-links yoast-seo-related-links\">\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/certificate-of-insurance-what-is-it-and-how-do-i-get-it\/\">Certificate Of Insurance: What Is It and How Do I Get It?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/why-the-cheapest-policy-might-cost-you-more\/\">Why the Cheapest Policy Might Cost You More Than the Premium<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/employee-vs-subcontractor-insurance-coverage\/\">Who\u2019s an Employee vs. a Subcontractor (aka 1099), and Who\u2019s Covered Under Your Business Insurance?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/commercial-general-liability\/who-can-create-liability-insurance-certificate\/\">Who Can Create a Certificate of Liability Insurance? (Hint: Not Just Anybody)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/prove-you-are-insured-to-win-contracts\/\">How to Show You\u2019re Insured and Win Bigger Contracts<\/a><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As a General Contractor, when working on a job, you should consider that things could&#8230;<\/p>\n","protected":false},"author":10,"featured_media":9523,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[737],"tags":[48,45,1014],"class_list":{"0":"post-9530","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-insurance","8":"tag-business-insurance","9":"tag-small-business-insurance","10":"tag-subcontractor"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.1 (Yoast SEO v28.1) - 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