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ways to manage workers’ comp insurance costs Get certificates from subcontractors.  If you hire subcontractors, obtain a certificate of insurance from each one in advance and review it to avoid unexpected charges. Pay special attention to certificates from sole proprietor and partnership subcontractors. If a sole proprietor or partner is excluded on the certificate and they have no other employees, you are responsible for their workers’ comp costs. Be sure the proper workers’ compensation classification codes are ...


The information provided in these articles are only general descriptions and should not be relied upon as complete, correct or accurate for your specific situation. All coverage informaiton is subject to policy provisions, endorsements and may be  subject to your meeting underwriting qualifications. Murphy Insurance Agency is not engaged in rendering legal, accounting or other noninsurance professional services. Consult an appropriate professional for advice regarding your own situation.