Does a contractor need proof of automobile liability insurance when they are hired to work on the premises?
Yes, for the very simple reason that the contractor has to use some means of transportation to reach our premises, and to transport tools, supplies, and materials. If the contractor is determined to be engaged in business on our behalf when they are involved in an automobile accident, then we could be held liable as the respondent superior. In that case, the contractor s automobile insurance would respond if we had been properly named as an additional insured. Should we ask to be named as an additional insured on the contractor s professional liability policy? No, the contractor s professional liability insurer would not do so, nor would any professional liability carrier. The reason is that the insurer would not want to pick up our professional liability hazards, which it could do if we were an additional insured. Professional liability policies are written to cover individuals who are individually underwritten based on their professional history. The insurer is not able to do this ca
