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If you use sub contractors a way to reduce your risk is to check they have their insurance cover, here is 5 things to check

  1. Do they have their own public liability insurance and is it current?
  2. Do they have their own income protection insurance or workers compensation cover ?
  3. What is your excess in the event of an insurance claim that involves a subbie?
  4. Does your insurer pay if a subbie is injured while working for you?
  5. Is your subbie qualified and licensed to do the work you need them for?

 

 

Sub Contractors Insurance

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