Employees versus subcontractors. Does the contractor have employees? If so, are they direct employees, meaning they receive a paycheck from the contractor, or are they considered subcontractors? If they are direct employees, the contractor’s workers’ compensation and general liability insurance policies should cover them. If they are subcontractors, they should have their own insurance policies. Either way, the contractor should give you a copy of proof of insurance both for their business and any subcontractors, if necessary.
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