What is Workers Compensation insurance?

If your builder or tradesperson doesn't operate under a trade or company name, they can't take out workers compensation insurance.

This insurance covers employees who are injured on the building site.

It is important to make sure all employees that are appearing on your site are covered by their employer for workers compensation.
If employers are not insured you could be liable to pay the costs of any claim.

Clarify whose policy covers sub-contractors that are not 'employees'.

Ask your builder to supply a list of tradespeople who will be working on your project and what insurances and cover they each hold.
Make sure you request and receive proof.

Make sure you request and receive proof of workplace compensation for any employees of the builder company working on your site, ensuring that they are protected in case of accidents.