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
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