Subcontractor
A specialized trade contractor hired by a general contractor to perform specific scope on a project. Subcontractors bring trade expertise (roofing, electrical, plumbing, drywall, painting) and work under the coordination of the GC.
A subcontractor is a specialized trade contractor hired by a general contractor to perform a specific scope of work on a construction project. They bring focused trade expertise while the GC handles overall project coordination.
How Subcontractors Fit In
Subcontractors execute the trade-specific work — roofing, electrical, plumbing, HVAC, drywall, painting, flooring, and so on. They typically have their own crews, equipment, and supplier relationships. On an insurance restoration job, the GC coordinates scheduling across all subs, sequences their work appropriately, and ensures the trades connect seamlessly where their scopes meet.
Contracts and Insurance
Subcontractors sign contracts with the GC, not the property owner. The contract specifies scope, price, payment terms, insurance requirements, and often performance standards. GCs require subs to carry general liability and workers compensation, and typically require the sub to name the GC as additional insured on the general liability policy. Lien waivers are collected at each payment to keep the paper trail clean.
Subcontractor Quality and Risk
The GC bears responsibility for the project as a whole, including the work of subcontractors. If a sub does shoddy work or creates problems, the GC is accountable to the owner. This is why GCs invest in vetting their subcontractor roster, maintaining long-term relationships with trusted partners, and building insurance and contract requirements that transfer risk appropriately. Choosing subs is one of the most consequential decisions a GC makes.
Frequently asked questions
Yes. Most GCs require subs to carry general liability and workers compensation appropriate for their trade and crew size. Proof is provided through certificates of insurance, often naming the GC as additional insured. Subcontractors without proper insurance expose both themselves and the GC to liability risk.
The GC, typically. The subcontractor's contract is with the GC, not the property owner. The GC pays the sub from funds received from the owner or the insurance claim, usually on progress payments tied to completed milestones.
Yes, in most states. If a subcontractor is not paid for work they completed, they can file a mechanics lien against the property. This is why lien waivers are collected throughout the project — to confirm that subs have been paid and no lien claims remain outstanding.
No credit card required