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Why You Should Require Subcontractors to Carry Contractor Insurance

Helpful Guidance from the Team at The Nowell Agency

Imagine coming home after a long day on the job site and you receive a certified letter indicating that you are being sued for failing to install a client’s front porch railing properly. The failure caused an injury resulting in surgery and lost time at work. At first, you’re perplexed. You remember the customer and the home, but not the railing. That task was left up to your subcontractor. Your confusion increases as you wonder why you are being sued instead of the subcontractor. Soon, you learn they did not have any coverage. Now you are on the hook!

Protect your Florida business and your reputation by making sure you require all your independent contractors to carry insurance. Obtaining the appropriate coverage is easy if you point them to a broker at The Nowell Agency. We have the knowledge and experience to assist you and your subcontractors with the best policies at reasonable rates.

3 Reasons You Want Your Subcontractors to Carry Insurance

You never know when something may go wrong and damage or injury occurs on a job site. While you may have a great relationship with your subcontractors, it pays to insist that they have coverage. Here are three reasons why:

  1. Protection from injury or damage caused by the subcontractor. As a responsible owner, you have done your due diligence and obtained the appropriate plans to cover your business. You know if damage occurs at a client’s place, you are covered. The same should happen when you hire a subcontractor and require they have the proper insurance coverage in place before stepping foot on the job site.
  2. Your client may require it. If you win a contract with a government agency or municipality, they may require that any subcontractors you use have their own plan or are covered under yours. It will make your customers rest easier if something goes wrong.
  3. It may be required by law. Many states require worker’s compensation insurance along with other types of policies based on the work involved. The line between employee and contractor can be a fine one. Be sure you are following the rules. Your insurance broker can assist with purchasing the right policies.

At a minimum, your subcontractors should carry a general liability policy. You can view a certificate of liability insurance and ask to be added as an additional insured.

Insurance for Your Subcontractors – The Nowell Agency Can Help

Avoid putting your company at risk when you require contractor insurance from all subcontractors. The brokers at The Nowell Agency assist small business owners, contractors, entrepreneurs, and the self-employed across a wide range of industries. We can help you and those you work with to get the best policies for your needs at great rates. Contact us today!

Call one of our offices near you to schedule a meeting with a knowledgeable and experienced broker at The Nowell Agency about Florida contractor insurance. Request a quote online.


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    The Nowell Agency has been my primary agent for many years and they are attentive, well-staffed, and easy to talk to. Their agency has helped me through state to state moves and career change and kept my assets covered.

    James G.

    My very first insurance experience was when I bought my first house and I called the Nowell agency for a quote. I had no idea what I needed or how much and they were so very kind and knowledgeable and explained everything to me in detail which I so much appreciated. That has been 4 years ago and im still a customer never plan to leave.

    Ashleigh D.

    I have been very pleased with the quick and professional service by the Nowell agency. My agent was very efficient at locating a policy that met my needs and budget. Thank you to Kristy and the Nowell agency for providing me with fantastic customer service. I highly recommend this agency. You will not be disappointed.

    Tripp W.


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