Question 1

Why do I need a Workers Compensation policy when I’m always working for someone else?

stagingeckburg · Accepted Answer

If you work as a subcontractor and don’t provide the general contractor with proof of Workers Compensation coverage, the general contractor is charged by his or her insurance company as if you are his or her employee. Showing a certificate of insurance with matching coverage shows your status as a truly independent contractor and will allow the general contractor to continue using you at little or no cost insurance-wise.

Question 2

Why do I need a Workers Compensation policy when I’m always working for someone else?

stagingeckburg · Accepted Answer

If you work as a subcontractor and don’t provide the general contractor with proof of Workers Compensation coverage, the general contractor is charged by his or her insurance company as if you are his or her employee. Showing a certificate of insurance with matching coverage shows your status as a truly independent contractor and will allow the general contractor to continue using you at little or no cost insurance-wise.