Workers comp for contractors provides coverage for on-the-job injuries and lost wages protection for employees. It also includes Employers' Liability, which defends business owners against covered claims of wrongful injury or negligence brought by workers. Most states require businesses with employees to have some form of workers compensation insurance.
Clients often ask for a 'Certificate of Liability' to show you have workers comp. They may request a 'Waiver of Subrogation', which we can help set up as either a 'Blanket Waiver' or a 'Scheduled Waiver'. We'll guide you through the options. Some clients need specific 'Special Wording' on certificates. Before bidding or accepting a contract, ask for their 'Insurance Requirements'. Let's review these together to ensure you understand the costs and include them in your bid. We'll also help identify other coverage requirements for contractors and explain any extra responsibilities or liabilities you might be taking on.