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Independent contractor liability insurance is a type of general liability insurance for those who work as freelancers, gig workers, carpenters, painters, plumbers and other types of...
Normally, companies are not held liable for the negligent acts of independent contractors due to the independent nature of their work and the limited control the hiring entity has over the execution of their duties.
Independent Contractor Liability Insurance, often referred to as General Liability Insurance, is a type of coverage that protects independent contractors against claims related to property damage, personal injuries, and even advertising injuries that may occur during the performance of their services. It serves as an essential safety net for ...
Independent contractor liability insurance typically encompasses two primary types: general liability and professional liability. General liability insurance protects independent contractors against accusations of physical injury, property damage, or reputational harm.
Generally, the employer is not responsible for the actions and illegal activities of the independent contractor unless certain conditions exist such as a direct connection to the activity or delegating tasks that should not go to the IC.
Specifically, while employers are legally responsible to others for an employee’s negligent acts, they generally aren’t liable for an independent contractor’s miscues. Indeed, that is often why a business hires a contractor. Be aware, however, there are exceptions to the general rule.
Independent contractors rely on a general liability insurance policy as a crucial coverage to protect themselves and their businesses from potential risks and accidents. This insurance provides financial protection in case of third-party bodily injury, property damage, or advertising injury claims.