I need guidance! We have a nail salon that has 2 W-2 employees and...

I need guidance! We have a nail salon that has 2 W-2 employees and 8+ that are 1099. We are telling him that the 1099s have to have their own underlying coverage and he said that the coverage he has does not require underlying coverage on the subs. I am in TN and he has locations in GA and AL. Has anyone ever heard of not making subs carry underlying GL? All reactions:

States

Georgia Tennessee Alabama

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