Definitions for "Subcontractors"
The term "subcontractor" is often interchangeable with "independent contractor." We ordinarily apply the definition to subcontractors performing construction, erection or structural alteration for a general contractor. Most workers compensation laws hold you responsible for employees of an uninsured subcontractor. In some states, they may extend to an uninsured subcontractor without employees if an employee-employer relationship can be established. These people will also be charged under a liability policy as though they were your employees if there is no certificate showing evidence of insurance. Subcontractors can easily obtain a Certificate of Insurance through their insurance agent. State exceptions may be applicable.