When you’re managing a construction project, every detail matters—especially when it comes to insurance. At E.S.T.I.R. Inc., serving the community in and around Bloomfield, NJ, we work with contractors every day who want to protect their projects, their teams, and their reputations. One area that often raises questions is subcontractor insurance. If you’re hiring subcontractors, understanding how insurance fits into the picture is crucial.
Why Subcontractor Coverage Matters
Bringing subcontractors onto a job site introduces new risks, and it’s not safe to assume they’re automatically covered by your general liability policy. If a subcontractor causes damage or gets injured, you could be held liable if they don’t carry the right insurance. Verifying their coverage before work begins is an essential step in protecting your business.
Certificates of Insurance: More Than Just Paperwork
It’s common for contractors to request a certificate of insurance from every subcontractor. However, don’t just file it away—review it carefully. Ensure it lists the correct types of coverage, including liability and workers’ compensation, and that the policy limits meet your project’s requirements. Additionally, check if you’re listed as an additional insured whenever possible.
Safeguarding Your Bottom Line
Accidents happen, even with experienced crews. If a subcontractor’s policy lapses or doesn’t provide adequate coverage, you could be left dealing with the financial consequences. Taking a proactive approach to insurance helps you avoid costly delays, lawsuits, or damaged relationships with clients.
Before your next project, make sure you’re fully covered. Contact E.S.T.I.R. Inc., serving the greater Bloomfield, NJ area, to learn more about subcontractor insurance options and how we can help you keep your projects running smoothly and safely.
