Vicarious Liability
Risk Calculator
Quantify your construction firm's financial exposure to subcontractor claims. Estimate your vicarious liability in seconds — then learn how to eliminate it.
Forensic Risk Calculator
Enter Your Firm's Data
Unprotected Margin Exposure
$225,000
~1 project net profit at risk
(Subs × 2% × $150K) + (Volume × 0.7%)
Claims average $150K in the US. A single “Additional Insured” flaw can wipe out your project's net profit. Impact is the issue.
Litigation impact: This exposure could compromise the net profit of approximately 1 project.
This exposure is preventable.
Join GCs using Vettic to eliminate compliance gaps.
Where should we send your full risk breakdown?
14-day free trial · Cancel anytime
About Vicarious Liability in Construction
Vicarious liability exposes General Contractors to financial claims arising from their subcontractors' negligence, even when the GC had no direct role in the incident. Under most US state laws, a GC that fails to verify adequate Certificate of Insurance (COI) coverage can be held jointly responsible for on-site injuries, property damage, and third-party claims.
This free vicarious liability exposure calculator uses a forensic formula derived from industry-standard claim frequency rates (2% annual incident probability per subcontractor) and average settlement costs ($150,000 per uninsured claim) combined with a portfolio-wide overhead liability factor of 0.7% of annual contract volume covering legal defense costs. It is intended as a directional risk indicator, not legal advice.
Vettic automates COI collection, validates coverage in real time, and generates audit-ready compliance timelines — eliminating the root cause of vicarious liability exposure for General Contractors across the US construction industry.