I'm trying to clarify who takes on the responsibility for liability insurance when hiring a general contractor. If the general contractor (GC) subcontracts work to others, does this affect insurance coverage?
1 Answer
When you hire a general contractor, it's generally their responsibility to have liability insurance. It doesn't matter if they hire subcontractors; their insurance should cover all workers on the job, regardless of whether the subs have their own insurance or not. It's their call on how they manage their team.
Thanks for the clarification! That makes sense.