At Builders Trust we have seen many claims involving subcontractors. A savvy business owner will ask the subcontractor to provide a certificate of insurance to show that they have current workers’ compensation coverage. There may even be a written agreement between the parties stating who is responsible for providing coverage of the subcontractor’s employees.

If an employee of a subcontractor is injured on the job, who covers that injury and provides benefits? If the injured worker is a direct employee of the subcontractor and the subcontractor has workers’ compensation coverage, then the subcontractor’s carrier would cover that claim.