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Question DetailsAsked on 11/4/2013

Is it ever appropriate for contractors to have liability insurance rather than worker's compensation insurance?

I need my roofs and gutters cleaned but am confused about whether the contractor has adequate insurance. The contractor that I'm considering is a 2-member limited liability company (LLC) with $1000000 liability insurance and $20000 bond but no workers' comp employee or personal election coverage. If there are no other employees, is that coverage adequate to protect me in the event of a fall or injury?

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2 Answers


Here is an Angie's List article on the subject that might help some with your issue -

I do not know about an LLC - in most states, a sole proprietor cannnot carry worker's comp on himself - as a measure against fraud, but generally any "employee" has to be covered. I would call your local state Worker's Compensation Board to ask about this, or maybe your own homeowner's insurance company can help.

Liability and Worker's Comp are two different animals, and I have never seen a Liability or Comprehensive (commonly called Inland Marine for contractors - don't ask why) that did not EXCLUDE injuries to owners/employees of the firm unless specific Worker's Comp riders was added.

Answered 6 years ago by LCD


Good advice above, other than in some states, like florida, a pair of owners can be exempt from workers compensation. That may or may not be the case for the contractor inquestion.

If they have such an exemption, you are protected, in Florida and maybe other states. Ask the contractor to explain why no workers comp..


Answered 6 years ago by BayAreaAC

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