Midtown Commercial Properties in Montreal engages an independent contractor for a major HVAC system overhaul. During the project, one of the contractor's employees is injured on site due to malfunctioning equipment provided by the contractor. From a liability perspective, what is the property manager's primary concern for the building owner?

Question: Midtown Commercial Properties in Montreal engages an independent contractor for a major HVAC system overhaul. During the project, one of the contractor's employees is injured on site due to malfunctioning equipment provided by the contractor. From a liability perspective, what is the property manager's primary concern for the building owner?

Answer options: ✅ Ensuring the contractor has adequate Workers' Compensation coverage and their own Commercial General Liability (CGL) insurance.

• Directly paying for the contractor employee's medical expenses.
• Filing a claim under the building owner's general liability policy for the injured worker.
• Reviewing the contractor's employee training records for negligence.

Correct answer: Ensuring the contractor has adequate Workers' Compensation coverage and their own Commercial General Liability (CGL) insurance.

Explanation: For independent contractors, the property manager's primary responsibility is to ensure the contractor carries their own Workers' Compensation and Commercial General Liability insurance to protect the owner from claims related to contractor employee injuries or damages caused by their operations, shifting the liability to the contractor.