What you need to know about working with independent contractors

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When working with independent contractors, it's essential to establish safeguards that shield you from their potential mishaps. If contractors do not carry adequate insurance, you could be held liable for their mistakes.

When working with independent contractors, you should:

  • Require contractors to maintain their own liability and worker’s compensation insurance, with policy limits that are equal to or greater than your policy limits. Get proof of insurance before signing a contract.
  • Avoid agreements where the contractor requires you to hold them harmless from liability.
  • Check with your insurance agent to confirm you have the proper coverage before starting any project that involves an independent contractor. Ask that your business be named as an additional insured on the contractor’s general liability policy.
  • Review all contracts with your attorney.
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The information provided in this article is intended for general informational purposes only and should not be considered as all encompassing, or suitable for all situations, conditions, and environments. Please contact us at losscontrol@markel.com or your attorney if you have any questions. The article may not be linked to, copied, reproduced, republished, posted, or distributed in any way by non-policyholders of Markel®, without permission.