The difference between a Sub-contractor and a W2 employee is big. When a Sub-contractor is been paid by commission, the motivation is different from the W2 employee who gets paid a salary. That’s why you should ask about workman’s comp insurance.
Know that workmans comp only covers employees. The owner of the company does not have to carry this policy if he does all the labor. You can check on your state’s website to see if they have Workmans comp. In California check out the cslb and check a license for all insurance info.
Wrong. In California construction, everyone is an employee, other than individuals or companies, who hold California Licenses and can provide certificates of insurance.
In virginia you want to see a Minimum of 500k for workers Compensation insurance coverage and 1 million to 2 million general liability insurance, as well - to cover any damage that may occur to your home during construction. You may also want to consider paying for your builder to get a builders risk insurance policy which will cover in case of damages during reroof or construction, not covered by other insurance.
If your not sure - ask your contractor for “Certificate of Insurance” to be sent to your email or fax number - directly from their insurance agent. It should have a listing for Workers comp limits and General Liability coverage, if you have a very expensive home or commercial property you need more coverage.