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Red Rock Canyon

Of recent, while reviewing the tips for visitors hiking through a canyon in Nevada, my eyes zeroed in on the warning of snakes. It read “Watch out for snakes under or on top of rocks.” While the warning did not cause me to turn around and go home, my focus was more concentrated as I walked the narrow, sometimes rocky, path. Even more recent, when reading a thought about workers’ compensation, I came across a warning concerning subcontractors. It read “Watch out for uninsured subcontractors.” Seriously? Is there an actual risk to be avoided?

The presence of mind that crafty, coiling creatures could verily be waiting around every bend of the trail admittedly created a somewhat peeked adventurous excitement to the canyon trek. However, for the business or general contractor, reading a caution about a subcontractor who cannot provide a valid certificate of insurance, a somewhat concerning unsettled ambivalence may be felt. Such ambivalence could lower your perceived value in the eyes of the employer, engendering fewer opportunities. The subcontractor that has her own workers’ compensation certainly has more safety appeal.

Consider Jack the contractor, who can provide a valid certificate of insurance any time he responds to a project advertisement. He shares with Artie, the general contractor, “I am certainly a less liability to you having my insurance!” This adds value to Jack’s pitch for employment. Artie sees Jack as a prudent partner in business, a responsible person. Artie faces insurance audits with confidence; he is happy. Artie consistently calls upon Jack for different projects; Jack is happy.

So, what about the adventurous excitement of completing a project with a sense of security that there is available coverage for any job mishap? Is it possible your employer will experience such excitement? Alternatively, will people like Artie see you as a risky contractor? Along with references, having workers’ compensation adds great value to subcontractors when seeking employment.