How to confirm a subcontractor's workers’ compensation coverage

Workers Comp 101

You hired a subcontractor, and they provided proof of their workers' compensation coverage. How can you be sure the policy is in effect? This is a critical question, because an inactive policy can leave you liable for both the subcontractor's claims and for their lack of insurance.

Avoiding proof of insurance issues 

Manually verifying a subcontractor's coverage regularly can be time-consuming. The NCCI coverage verification tool provides an automated way to stay on top of your subcontractor's insurance status.

Here's how to use NCCI's verification tool:

  1. Visit the Workers' Compensation Verification Coverage website.
  2. Read and accept the terms and conditions.
  3. Search for the subcontractor using their name, state, or federal tax identification number (FEIN).
  4. Select the company you want to monitor and click "Track Policy."
  5. Enter your email address and confirm.
  6. You'll receive notifications of any coverage changes.

NCCI's tool can help reduce your business's risk

The NCCI verification tool is a valuable resource, but you’ll need to have the exact name of the subcontractor. Also, note that it may take up to two weeks to receive notification of coverage cancellation, so calling the insurance carrier on the certificate is the most sure-fire way to confirm coverage.

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Frequently Asked Questions

Find answers to commonly asked questions about workers’ compensation.

What is workers' compensation?
Workers’ compensation is a form of insurance that benefits employers and employees in the case of a work-related injury or illness.
Who is required to carry workers’ comp?
Workers’ compensation laws vary by state, so it’s important to know your state’s requirements. In many states, workers’ compensation is required for employers with one or more employees.
What benefits are available?
Workers’ compensation can include medical care, lost wages and death benefits. Workers' compensation coverage may also safeguard businesses from legal action if an employee experiences a work-related injury or illness.
Who pays for workers’ comp?
The employer is responsible for purchasing and maintaining workers’ compensation coverage.
How much does workers’ compensation insurance cost?
Workers’ compensation premiums are based on factors such as payroll, industry and claims history, so premiums vary between businesses.