Workmens Comp State of Illinois

b,

Even if all of the "work" is subcontracted out this fellow may still have employees ( someone to answer the phone, do invoices et c.). If he has employees he needs insurance.

Good luck, Dave M.

What if there are no employees except for the owner?

Have you checked the State of Illinois Dept. of Labor and Industries Website, or called them? That's where you'll get the definitive answer.

Not usually, but some state may differ so check with them. Proprietorships usually need only liability insurance plus local licenses. With 50 states and a bunch of cities, it is always best to check local laws.

Here's the problem: (A) contracts with (B) for a new roof. (B) subcontracts roof to (C, D, & E). (E) falls off roof and breaks his back. Who has the Workmen's Comp Insurance? If not (E), then (B) the General Contractor is on the hook. And that is true in every State.

Dick