Who is liable if a subcontractor is injured on the job?
Who is liable if a subcontractor is injured on the job?
If a negligent subcontractor becomes injured on the job, the general contractor isn’t necessarily liable. Contractors typically do not supervise every detail of a subcontractor’s work. They will, however, be liable if they retain control over all work performed. accident.
What are the risks of hiring a contractor without insurance?
BUT…the total cost to you, the homeowner, can be much higher if the contractor reports a claim on your homeowners insurance policy. When you hire a contractor who does not have proper insurance coverage, you are assuming the risks for their work mistakes and any injuries that may occur at your home.
When to hire a licensed bonded and insured contractor?
A competent company will provide you copies of all 3 during the bidding process. If a company says they are licensed, bonded and insured but drag their feet providing your copies, that might be a bit of a red flag. Once you get the copies, make sure to read them to confirm they are current and up to date.
What kind of insurance does a general contractor need?
A general contractor needs to carry a lot of insurance both to protect themselves and you the customer. Two commonly policies are general liability insurance and workers compensation insurance. Sorry, this content is not available in your location.
What happens when you hire an unlicensed contractor?
When you hire a licensed contractor, they will have workers’ compensation for themselves as well as any employees they hire to assist with the job. If your contractor is unlicensed, he or she and anyone else that is brought on to work on your remodel are all considered to be your employees.
BUT…the total cost to you, the homeowner, can be much higher if the contractor reports a claim on your homeowners insurance policy. When you hire a contractor who does not have proper insurance coverage, you are assuming the risks for their work mistakes and any injuries that may occur at your home.
Can a unlicensed contractor carry Workers Comp Insurance?
Unlicensed contractors do not carry workers compensation or liability insurance. Unlicensed contractors put their clients at risk if someone’s injured on the job. California state law, under Insurance Code §2750.5, states that “ an unlicensed worker performing services for which a license is required is not an independent contractor.”
Can a subcontractor be liable for a homeowner accident?
When a contractor accepts a large job, they typically delegate some portion of it to a subcontractor. Subcontractors who are not covered under the general contractor’s insurance must purchase their own coverage. If they fail to do so and an accident occurs on the job site, the homeowner could be liable for the damages.