Q: If I work with 1099 contractors or consultants, do they need to be covered on my E&O policy?
IT businesses often hire subcontractors to help them on projects, but unfortunately, many insurance policies don't automatically cover mistakes or damage caused by a subcontractor. You can either require contractors to have their own insurance (and check their Certificate of Liability Insurance for proof) or add an independent contractor to your policy as an "additional insured." Then your insurance covers any mistakes they make while they work for you.
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