Do I Need Sub-Contractor Insurance in Mississippi?

Do you run a sub-contracting business in Mississippi? If you work with contractors performing specialized tasks such as painting, drywall, or roofing, it’s important to ensure that you and your crew have the insurance protection you need. Many people assume that contractor general liability insurance also covers sub-contractors. However, this is not always the case.

Here are some instances typically not covered by contractor general liability:

• Damage to your own property
• Professional services
• Known claims
• Workers’ compensation

Your agent from Hawsey Insurance can help you customize a sub-contractor insurance policy unique to your business.

Request a quote for sub-contractor insurance in Mississippi today!

Why Do Sub-Contractors in Mississippi Need Insurance?

Contractors often hire sub-contractors to complete specific tasks for a project. Many sub-contractors work in construction. However, there are also other industries — including finance, business, professional services, and the federal government — that rely heavily on sub-contractors.

As far as insurance goes, sub-contractors often need their own policies due to gaps in contractor general liability insurance.

If you would like to explore your options, book an appointment with one of our experienced commercial insurance agents. We can help you find a sub-contractor policy that covers your workers, tools, and equipment. Additionally, a good insurance policy will also cover you for accidents and property damage that occur on sub-contracting jobs.

What Are the Most Important Types of Sub-contractor Coverage?

Workers’ compensation is required if you have at least five employees. However, we also recommend the following types of sub-contractor insurance in Mississippi:

• General Liability Insurance covers legal fees and damages due to bodily injury, property damage, or personal injury claims.
• Workers’ Compensation Insurance is a critical part of your insurance package since it’s required by state law. This coverage protects your employees, clients, and company if someone gets injured while doing their job.
• Umbrella Insurance protects your business as it grows. You may need additional coverage on your commercial auto or business insurance policies. Umbrella insurance increases your overall coverage in case you face a claim that exceeds your policy limits.
• Commercial Wrap-up Insurance covers all parties involved in certain policy types, such as general liability.

How Much Does Insurance Cost for a Sub-Contractor?

The cost of sub-contractor insurance in Mississippi varies greatly depending on your location, the types of insurance you need, and other factors. We’ll be happy to discuss any questions you may have regarding coverage in your particular industry.

Are you ready to talk to a Hawsey Insurance agent to find out how to obtain sub-contractor insurance in Mississippi? Call us at (601) 856-7707 — we are happy to provide guidance to sub-contractors in Mississippi and the surrounding states.