growler
Senior Member
- Location
- Atlanta,GA
I think most G.C.'s want you to carry it if you are working for them, because if something happens to you on there project they don't want you using it against them.
As an independent contractor workman's comp will not protect the GC because you are not an employee.
The real reason a GC will want you to have workman's comp is because when he fills out his audit forms he has to list any sub contracted work and provide copies of their workman's comp insurance or his carrier will make him pay for this insurance.
You have to be real carefull with your workman's comp because anything you sub out ( even if you hire a company to dig a ditch for you) will be subject to audit even casual labor. Even if you use a temp agency you still have to get copies of their insurance.