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Old 02-27-2012, 12:57 PM
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cutman2000 cutman2000 is offline
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Join Date: Jun 2011
Posts: 200
Will my General Liability Insurance cover my sub-contractors?

I have a Million dollar coverage for my company, will it cover the sub-contractors that I hire from time to time? If not, how do I go about doing that?
Ford F150 ex cab
Ford F150 reg cab
Garden Center/Shop
5 acre wholesale tree/flower farm
12x6 Trailer
5x8 Trailer
(1) Zero Turn
(3) Husqvarna Packpack Blower
(2) Stihl stick edger
(1) walk behind edger
(5) weedeaters
(3) handheld blower
(6) walk behind mowers
(1) attachable aerator
(2) 22" Husqvarna hedge trimmer
(1) college degree
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Old 02-27-2012, 01:07 PM
Dr.NewEarth Dr.NewEarth is offline
LawnSite Bronze Member
Join Date: Nov 2010
Location: Vancouver Canada
Posts: 1,405
Here, you would be the prime contractor. Your insurance and your workers compensation would take precedence.

The subcontractor should still have their own liability insurance and workers compensation. But if the subcontractor or one of their employees breaks a compensation rule or gets hurt on your job site, it is your compensation insurance and reputation that is effected.

Your liability insurance should cover you and your subcontractor.

Bottom line though, talk to your insurance company and read the documents for the actual answer to your question. Rules differ all over the world and I'm in Lotus Land.

Last edited by Dr.NewEarth; 02-27-2012 at 01:08 PM. Reason: Go Canucks Go
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