Frequently cabling service providers just do a piss-poor task labeling network framework. Check with your state attorney general's office to determine whether your particular situation as an independent contractor is defined as working under the direction and control of the client and thus, qualifies for workers' compensation insurance benefits.

The CGL policies with an independent contractor exclusion most often appear in the excess and surplus markets but endorsements that exclude independent contractor liability also exist in admitted market CGL policies.

Ct. 415 (2012), involved an errors & omission suit by a commercial insured against its insurance agency over the insured having no defense or indemnity coverage for a serious bodily injury claim suit brought by an independent contractor who was injured on the insured's property.

Coakley Pierpan argued to the Appeals Court that the plain language of the exclusion did not apply to Mr. Barry's alleged injuries because Feingold, rather than Cable Mills, retained Mr. Barry as an independent contractor.

Thus, as in the Cable Mills case, if an insured, whose CGL has an independent contractor exclusion, hires any independent contractor, whether in the trades or in the professions, and that trade person or professional subcontracts the work for the insured there is no coverage for any damages caused by anyone in that chain of independent contracts.

Carriers whose have this independent contractor exclusion added to their policies do not provide a defense under a reservation of rights for a claim involving a claim resulting from actions by an independent contractor.

Finally, if an agent or broker does place a commercial liability policy with an independent contractor exclusion, they may want to make sure that their agency's errors and omissions insurance is in full force and effect and has adequate liability limits.

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