Have an opportunity to work as a sub doing trim/finish work in FL. I’ll need to get some occupational/business insurance. Have NO idea where to begin and would appreciate any guidance as to coverage(not necessarily what I should get but what to consider), providers, other sites to do my own research etc. (Tried to search for pertinent archives but didn’t come up with much and insurance sites are baffling to me. Sorry if this is a worn out subject.)TIA
Kel
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You arelikely to need trade licensing too. Trade associations may have the best leads and rates for insurance coverage.
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There are two kinds of insurance.
One is liability. That will pay for damages that you might do. For example shoot a nail into a water pipe and it leaks. Or you compressor catches fire and burns down the house.
The other is workers comp. That is to pay the "employee" if they are hurt on the job.
Now that varies a lot from state to state. Being self-employeed in some places you can't cover yourself. In some you can sign a wavier. In some you need to buy it althought you can't collect on it. The main reason for the strangeness is that there has been a lot of abuse where the GC uses people that are in effect, employees, but treat them as sub-contractors. So they GC pays WC insurance on everyone unless they show that they have it or they can wave it.