Legal Question in Insurance Law in California

liability insurance

a section in a contract reads:

''4.3 subcontractor shall name contractor as insured rider on his own liability insurance.''

Does this mean we are required to have our own liability insurance? It does not specifically say ''subcontractor must have their own liability insurance.'' We know they have coverage for the building we will be working in.


Asked on 1/22/04, 9:05 pm

2 Answers from Attorneys
Steven Murray Steven W. Murray, APC

Re: liability insurance

Yes. You must have, and name, the general as an additional insured since it is vicariously liable for any damage you cause. It is standard practice for generals and subs.

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Answered on 1/23/04, 8:48 pm
Edward Hoffman Law Offices of Edward A. Hoffman

Re: liability insurance

Yes, that's what it means. After all, how would you name the general contractor on your own liability insurance if you didn't have any? Besides, requiring such coverage is standard practice. If you don't have such coverage in place, you probably shouldn't be in this line of work.

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Answered on 1/26/04, 1:23 pm


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