Workers Comp: Subs Pay Their Own To the Editor: Mr. Cooley's article on workers comp (Business Forum, 4/92) was right on the money. It's too bad it takes a bill for us to learn! Our policy for paying subs is: No check until the certificate comes in, or if we issue their check, the workers comp insurance is deducted. When and if the certificate comes in, we mail a second check. We tell our subs this up front. There's no reason that we, as responsible general contractors, should have to pay their way. It just takes a few phone calls to your agent to get the rate for their job classification — but it's well worth it. As for sole