As the general contractor, you have liability insurance to protect you from claims for bodily injury or property damage caused by your negligence. So why, you ask, is it important for your subs to have liability insurance, too? If they don't, surely that's their problem, not yours. After all, you have your own very expensive liability insurance to protect you.

Well, that's part of the problem. Most liability policies only protect you from the consequences of your own negligence. But it's not impossible that you could get sued, and wind up having to pay for the consequences of somebody else's negligence. To get your insurance policy to cover that, so it doesn't come out of your own pocket, you may need...

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