Like anyone else, subcontractors can
make mistakes. But when your sub
goofs, how do you protect yourself?
For example, suppose your electrical
sub fails to ground a wire properly and
one of his employees is injured. If the
sub has all the right insurance, great.
But if not, you, as the GC, could have a
big problem.
Workers Comp Coverage
The GC is usually protected when a
sub is covered by insurance. The general
rule is that if the injured person is an
employee, he can't sue his employer; an
injured employee's sole recourse is a
workers comp claim. If, however, the
employer does not have workers comp
insurance, many states allow the
employer (here, the subcontractor) to