If you’re a contractor and you use uninsured subcontractors on your job site:
To protect yourself from both of these outcomes, always obtain current certificates of insurance from any subcontractor who does work for you. The valid certificate of insurance is your legal protection from liability as well as additional owed premium.
There are other supplemental tools available online for verifying whether workers’ comp coverage is in force. Some of these are listed below as an additional resource for you. Please keep in mind, these are only supplemental tools. You must obtain certificates of insurance from your subcontractors to fully protect yourself.