HB 480 mandates that contractors and subcontractors in the building and construction industries provide workers' compensation insurance coverage for all employees. For public projects, governmental entities must require written certification from contractors and subcontractors confirming this coverage. The bill also allows contractors and subcontractors to fulfill this requirement through group plans, owner-controlled insurance programs, or other methods acceptable to the contracting governmental entity. This requirement applies to contracts entered into on or after September 1, 2025.