Section 31-291 of the Connecticut Workers' Compensation Law stipulates that a principle employer is liable for injuries to employees of uninsured contractors and their uninsured subcontractors when the work pertains to the trade or business of the principle employer and the principle employer controls the premises where the work is performed. In order to avoid additional premium being charged on the contractor's policy for uninsured contractor employees, the contractor must furnish satisfactory evidence that the subcontractor has workers' compensation in force covering the work performed for the contractor. The following may be used to provide satisfactory evidence:
- certificate of insurance for the subcontractor's workers' compensation policy;
- certificate of exemption; or
- copy of the subcontractor's workers' compensation policy.
If satisfactory evidence is not provided for each subcontractor, the insurance company may charge an additional premium on the contractor's policy for the uninsured subcontractor's employees.
If you are a contractor and need help understanding your worker's compensation insurance, please give Tim Russell a call.