Thank you for replying. I have been in business since 2014 with my own company and I am trying as hard as I can to learn everything I should know. Some things like this incident are being learned the hard and expensive way. I do not have a check list, any possibility you could share the general idea so I can create my own? My Liability will not pay because my subcontractor was not insured. I got a letter today. I was thinking: "What would happen if one day I have a claim for 100,000 and they say they will not pay..." Here in Texas is hard to find roofers with insurance since everybody hires them without insurance, any tips how to protect myself agains "uninsured subs"? Specially during storm season...
Forgot to ask, I don't have employees, and since apparently my Liability doesn't cover SUBS or third party workers, whats the reason to be paying it then? ( I am looking for opinions, points of view, not legal advise).
Thank you sir.