Have you wondered if you have to pick up Liability or not on an independent contractor? Say you hire a roofer, where are they covered? do you cover them? How about the guys that they may use as subcontractors? Does everyone need all those insurance policies down the line? The State of Massachusetts is very clear about who is and who isn’t an independent contractor. They offer this three pronged test to drill it down.
We’re pleased here at Downey Insurance Group to be specialists in contractors insurance. Knowing the rules and regulations is an important start. Give us ring or reach out today.