Does a builder need separate insurance to their concrete subcontractor?

Yes, generally — a builder maintains their own insurance covering their overall operations and project, while a genuine concrete subcontractor should independently carry their own public liability and other relevant insurance for their specific work.

This isn’t duplicated coverage so much as genuinely appropriate, layered protection — each party covering their own specific role and risk within the broader project.

A builder should verify their subcontractors’ insurance is current and adequate as standard due diligence, rather than assuming their own insurance automatically extends to cover a subcontractor’s work.

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