What Insurance Does a Subcontractor Need to Work on New Homes in Paulding County? 

Working on active construction sites comes with serious exposure: property damage, worker injuries, and third-party liability claims can arise quickly and without warning. A subcontractor who lacks the right coverage can be held personally responsible for costs that a general contractor’s (GC’s) policy may not cover. Many builders in the area also require proof of insurance before allowing any work to begin.

Coverage That Most Subcontractors Need

A contractors insurance package typically bundles the core coverages a subcontractor needs into one manageable policy. These commonly include:

• General liability insurance: Covers third-party bodily injury and property damage claims arising from your work
• Workers’ compensation insurance: Financially supports employees with work-related illnesses or injuries. Georgia law requires it for subcontracting businesses with three or more employees. Subcontractors with fewer than three employees are not required to carry it, though voluntary coverage may reduce personal liability.
• Commercial auto insurance: Covers vehicles used to haul tools, materials and equipment to and from job sites.
• Tools and equipment coverage: Financially protects the physical tools your business depends on, whether stolen from a truck or damaged on-site.

Builder’s Risk and Your Role on the Project

Builder’s risk insurance may cover a structure under construction, and it is typically carried by the general contractor or property owner. Subcontractors should confirm whether they are included in an existing builder’s risk policy or need separate coverage for their own materials and work in progress.

Get the Right Coverage Before Your Next Job

Contact Volunteer Sales & Marketing DBA Hometown Insurance today to review your current coverage and make sure your policies match the work you do across Dallas, GA and beyond. Our agents can compare options from multiple carriers to find suitable coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.