Subcontractors and Certificates of Insurance

Contractors should collect Certificates of Insurance from subcontractors before work begins.

A subcontractor should generally provide evidence of applicable insurance such as:

• General Liability
• Workers’ Compensation
• Commercial Auto, when applicable

This is especially important during insurance audits.

For Workers’ Compensation assigned-risk applications, NCCI states that payroll for uninsured contractors may need to be included when acceptable proof of insurance is unavailable.

Important

A Certificate of Insurance is evidence of insurance.

It is not the insurance policy itself and does not automatically create coverage or contractual rights.