--- title: Does CGL Insurance Cover a Contractor's Subcontractors? description: Does your CGL insurance extend to subcontractors on a project? Here's what to check before a client asks for proof of cover. --- [![Cover Buddies Imaginate Email Header](https://www.coverbuddies.com/hubfs/Cover%20Buddies%20Imaginate%20Email%20Header.png)](https://www.coverbuddies.com) - [ABOUT](https://www.coverbuddies.com/about-cover-buddies) - SOLUTIONS - [Commercial Insurance](https://www.coverbuddies.com/commercial-insurance) - [Consumer Insurance](https://www.coverbuddies.com/consumer-insurance) - [Find Me A Better Deal](https://www.coverbuddies.com/find-me-a-better-deal) - [KNOWLEDGE HUB](https://www.coverbuddies.com/en/knowledge-hub) - CONTACT - [Send Enquiry](https://www.coverbuddies.com/contact-us) - [Request A Call](https://www.coverbuddies.com/request-a-call) - [WhatsApp Us](https://wa.me/message/RCLFWAZGWXTKC1) - [Newsletter Sign Up](https://www.coverbuddies.com/newsletter/subscribe) [![WHATSAPP US](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/22329589/interactive-177327823698.png)](https://www.coverbuddies.com/hs/cta/wi/redirect?encryptedPayload=AVxigLLkQIihOL%2BB8n2uKXKC1xdf%2FjcrlK0xLmIKlRMO6jSF8HGjB7Djem3pDAhdFZeQwlfoghrV5hOAborlXMn3KNHMfig9VjNJp%2FcPtuIXJAZCyaWZTtIB8%2FOvtyzgf38bo4bJjAGHUbc4I2xeUEORwOlqqFPBZ9OfbFniixZXAXlRUpe0t36Ky4Jnd60a4Yhy1YLpJ7SjCVgaFN4n&webInteractiveContentId=177327823698&portalId=22329589) [DOWNLOAD OUR ESSENTIAL INSURANCE GUIDE HERE](https://www.coverbuddies.com/essential-guide-download) # Does CGL Insurance Cover a Contractor's Subcontractors? Does your CGL insurance extend to subcontractors on a project? Here's what to check before a client asks for proof of cover. [Cover Buddies](https://www.coverbuddies.com/en/knowledge-hub/author/cover-buddies) Oct 1, 2026 --- **The short answer** Not automatically. CGL insurance generally covers the named policyholder's own liability — if your subcontractors need to be covered too, that typically has to be arranged specifically, either by adding them to your policy or confirming they carry their own cover. **Why this comes up** This usually surfaces when a client or site owner asks for proof that everyone working on a project — including subcontractors — is insured, and the business discovers its own CGL policy doesn't extend that far without a specific endorsement. **What to check in your policy** Check whether your policy includes any provision for subcontractors, and if it doesn't, decide whether to extend your own cover or require subcontractors to show proof of their own CGL insurance before they start work. For projects with multiple parties on site, this is worth settling before work begins, not after an incident. **Work with Cover Buddies Today!** We can help you work out whether your CGL policy needs to extend to subcontractors, or whether requiring their own proof of cover is the simpler path for your business. [Learn more about CGL insurance](https://www.coverbuddies.com/cgl-insurance-malaysia) or [get a quote](https://www.coverbuddies.com/request-information-commercial) to review your cover for multi-party projects. 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