You might think that if a subcontractor gets hurt on your job site, it's his problem. After all, he's an independent contractor, not one of your employees. But sometimes it's your problem.

An injured sub might be able to sue you for negligence, and if he does, he could win much more than your workers' comp­covered employee ever could. It doesn't matter that the injured party is employed by a subcontractor, even if he's covered by his own company's workers' comp policy. He can still sue you for negligence. In fact, his...

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