Learn the 3 mandatory documents — Section 37(2), COIDA, and Public Liability cover — that protect your business from subcontractor accidents and claims. When a subcontractor walks onto your site, their mistakes can become your bill. A subcontractor arrives at your facility to complete a routine maintenance task—a job valued at a modest R50,000. It is a standard procedure, the kind that happens every week. However, on his way out, the subcontractor’s vehicle strikes your specialized electric gate. The damage is immediate and significant: R150,000 to repair the entry system. If that subcontractor hasn't provided proof of insurance in their Safety File , the financial fallout is yours alone. Your company’s insurance provider won't cover the claim because the damage was caused by a third party. If the subcontractor lacks the liquid capital to pay, that R50,000 project has just cost you R150,000 in repairs. But as an OHS consultant, I have seen far worse. While R150,000 is a painful...