subcontractor insurance

Handing a scope of work to a subcontractor doesn't hand off all the responsibility that comes with it. From OSHA's multi-employer citation policy to negligent hiring claims and insurance gaps, general contractors carry more subcontractor liability than most realize. Here's what you need to know — and what to have in place before a claim forces the lesson.

Carrying insurance isn't the same as being fully covered. From completed operations to cyber liability, these five contractor insurance gaps are among the most common — and the most costly to discover after a claim has already been filed. Here's what to check before it's too late.