Unless you are a workers’ compensation claims expert, you might not know that a subcontractor’s injured employee generally cannot sue them, but can sue upstream parties. This leaves general contractors, property managers, and owners exposed. An additional insured endorsement on the subcontractor’s commercial general liability (CGL) policy helps minimize exposure. But does it eliminate that exposure completely? […]

Unless you are a workers’ compensation claims expert, you might not know that a subcontractor’s injured employee generally cannot sue them, but can sue upstream parties. This leaves general contractors, property managers, and owners exposed. An additional insured endorsement on the subcontractor’s commercial general liability (CGL) policy helps minimize exposure. But does it eliminate that exposure completely? […]