In your businesses, such as roofing, painting, or window installation, you might sometimes rely on subcontractors. What happens if one of these subcontractors is uninsured and gets injured while working for your company? Let's explore this.

Workers' Compensation Insurance is designed to cover injuries that employees sustain while on the job. However, if you hire an uninsured subcontractor, they may not have their own coverage, leaving a gap in protection.

Imagine you're a fence contractor. You hire a subcontractor to help with a big project. Unfortunately, this subcontractor, who doesn't have workers' compensation insurance, gets injured on the job. Since they are working for your company, the responsibility will fall onto your business to cover their medical expenses and lost wages. This could lead to significant financial strain and potential legal issues for your business, especially if your workers' compensation policy doesn't extend to uninsured subcontractors.

It's crucial to understand the implications of hiring uninsured subcontractors and how it affects your workers' compensation coverage. Ensuring that all subcontractors have their own insurance or are included in your policy can mitigate these risks.