Subcontractors keep Oklahoma construction projects moving, but without the right paperwork, their mistakes can quickly become your financial problem. When there’s no written subcontractor agreement outlining responsibilities, risk transfer, and insurance requirements, courts and insurers often default to the general contractor or primary business on the job. That means if a subcontractor causes property damage, bodily injury, or workmanship issues, the claim may land on your policy—impacting your premiums and your record.
A solid subcontractor agreement, paired with up-to-date certificates of insurance, helps shift liability where it belongs and proves that your subs have their own coverage in place. This protects you from paying for losses you didn’t cause, reduces disputes, and strengthens your position with your insurer. Bottom line: always collect COIs, verify coverage, and put every subcontractor relationship in writing. It’s one of the smartest risk-management steps an Oklahoma contractor can take.
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