Who needs subcontractor insurance cover?
There are, ordinarily, two types of subcontractor; labour only and bona fide subcontractors. Usually, if you are labour only, you will be deemed to be an employee or working under the direction of the main contractor and should be covered by their insurance. But you should check that this is the case.
For bona fide subcontractors, having insurance cover in place is likely to be a condition of your agreement with any main contractor. It’s likely that they will want certain levels and types of protection in place and want to see evidence that you have taken out cover.
One of the benefits of working with an insurance broker like Real is that we can help you to understand your requirements better, and outside of those stipulated by your main contractor, we can advise you on what else you should consider to be properly protected.