Potentially.

A Public Liability Insurance policy may respond where your business is held legally liable for injury or property damage arising from work undertaken by a subcontractor.

This is different from the subcontractor themselves being insured under your policy.

What should businesses check? #

When engaging subcontractors, insurers can require information about:

• Activities being subcontracted
• Subcontractor payments
• Occupations involved
• Higher-risk activities
• Applicable licences or qualifications
• The subcontractor’s own insurance

Depending on the policy or contract, you may also need to:

• Obtain current Certificates of Currency
• Require minimum Public Liability limits
• Use written subcontract agreements
• Disclose subcontracted activities to your insurer
• Comply with specific risk-management conditions

Some subcontracted activities can be excluded or require insurer approval.

A subcontractor holding their own Public Liability Insurance also does not automatically remove your business from a claim.

You can read more about engaging subcontractors.

Contact our team before materially changing the types of subcontractors or activities your business uses.