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General Liability Insurance And Workers´ Compensation Insurance For Trade Contractors, Home Builders And Remodelers With Savings Up To 38%!Myth #5: I Don´t Have To Deduct From My Uninsured Sub Because He Signed An Exemption Form For Workers´ CompensationMyth #5"Since my uninsured sub may not be required to carry Workers´ Compensation under state law because he has less than 4 employees, he can provide an Exemption Form instead of a Certificate of Insurance and I don´t have to deduct like I would from an uninsured sub." Reality #5Even if the sub has signed an Exemption Form, the general contactor still becomes the statutory employer and is responsible to pay Workers´ Compensation claims to employees of the uninsured sub. Since the general contractor´s insurance carrier is "on the hook for the claim", they will make a charge upon the audit. Since there will be an insurance charge to the general contractor, he should still make a Workers´ Compensation deduction from the uninsured sub that has signed the Exemption Form.
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