Verifying subcontractor insurance is one of the most important steps contractors can take to protect their business. Without proof of coverage, responsibility for a subcontractor’s employees can shift to the contractor, leading to higher premiums uncovered during audits or costly issues when claims arise. We often see contractors face unnecessary expenses simply because they did not require certificates of insurance before work began. Making proof of coverage a standard practice helps you work with reputable partners, avoid preventable costs, and keep your insurance program strong.

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