What Happens If a Vendor or Subcontractor Causes an Accident on Your Job Site?

Accidents on job sites can happen unexpectedly, especially when multiple parties, such as vendors and subcontractors, are involved. It’s important for contractors to understand their potential liability, how insurance comes into play, and the steps they should take if a third-party accident occurs on their sites.

Understanding Job Site Liability

When a vendor or subcontractor causes an accident, determining liability can be complex. The responsibility may depend on the nature of the contract, the type of work being performed, and whether proper safety protocols were followed. If a subcontractor’s employee is injured, their own workers’ compensation insurance typically covers their medical costs. However, if their actions cause damage to your property, injure your employees, or harm a third party, you could be drawn into a liability claim.

Insurance Considerations

To protect your business, it’s essential to verify that all vendors and subcontractors carry adequate insurance before work begins. Key policies to look for include:

• General liability insurance: Covers bodily injury or property damage caused by the subcontractor or vendor.
• Workers’ compensation: Required for most employers in Oregon, this covers injuries to their own employees.
• Additional insured status: Requesting to be named as an “additional insured” on a subcontractor’s policy can provide your business with extra protection if a claim arises.

It’s best practice to keep up-to-date certificates of insurance on file for every third party working on your site.

Steps to Take After an Accident

If an accident occurs, take these steps to protect your business and ensure a smooth claims process:

1. Ensure immediate medical attention for anyone injured.
2. Document the scene with photos and detailed notes.
3. Notify your insurance provider and the subcontractor’s or vendor’s insurer as soon as possible.
4. Review contracts and insurance certificates to clarify responsibilities.
5. Cooperate fully with any investigations.

At Reinholdt & O'Harra Insurance, we help Oregon business owners and contractors navigate the complexities of job site liability and insurance. If you have questions about job site liability or want to review your current insurance program, contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.