As a contractor, what is needed to make sure subcontractors are covered?

Just as we make sure as individuals to keep our health and auto insurance up to date, contractors who use subcontractors on their jobsites should require a valid workers’ comp certificate as proof of coverage. The certificate needs to include the owners if they are performing work on the project. To verify coverage is in force, the contractor should contact the agent listed on the certificate and make sure the policy is paid and current.

Contractors should also encourage the subcontractors to include a waiver of subrogationendorsement (WOS) in favor of the contractor.