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Mike Ashley

The fact that you may not make as much using subs is true however, you as the Contractor need to know how your Liability insurance addresses their use. Some policies exclude subs unless they have GL coverage of their own with the same limits as you. This can get real ugly when a loss occurs and your customer is expecting your Insurance Co. to pay up. This is just one thing thing to consider based on my 30+ years as an adjuster.

Jean Hanson

Another great point. GL coverage is definitely something to consider before hiring subs. Thanks Mike.

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