Yes. Sub-contractors are independent legal entities, each with their own ABN, invoicing requirements and legal obligations such as insurance, workers compensation and licencing accreditation.
Workers compensation – means zero to owner builders (read more).
They are engaged on your project for their particular skill and experience, one project at a time. They are not employees and do not have ongoing contractual arrangements with owner builders – come do their job, and go!
But not all insurance products are suitable for owner builder environments and situations. Firstly, insurance is always subject to technical and legal definitions, including legal precedents and intentions of the Policy Wordings (PDS). Good purpose built owner building Policy Wordings are designed to safe guard owner builders and their assets. This is the key to good insurance.