For general liability policyholders

• Adequately insured subcontractors
  For companies in the contracting and service industries, the cost of subcontracted work associated with adequately insured subcontractors is assigned to the appropriate Contractors Subcontracted Work classification.

• Inadequately insured subcontractors
  These subcontractors are classified and rated as if they were your employees.

Penn National Insurance considers a subcontractor adequately insured when our policyholder produces a certificate of insurance for that subcontractor showing an occurrence limit of liability equal to that of our policyholder or $500,000, whichever is less.

For workers' compensation policyholders
You should secure a certificate of insurance from each independent contractor that shows they have workers’ compensation insurance. See our Independent contractor or employee? page for how we determine your workers’ compensation premium.