The 3 Pillars of Subcontractor Risk Management Every General Contractor Must Know | Rich Tygett

If your subcontractor relationship starts and ends with a handshake and a certificate of insurance, your business is exposed — and you may not find out until it's too late.

In this episode of the Digital Remodeler podcast, host Carl Willis sits back down with Rich Tygett from I.C. Insurance Solutions for a deep dive into one of the most overlooked risks in the remodeling industry: subcontractor liability. 

Rich has spent over 20 years working exclusively with general contractors, and he says this is the single biggest gap he sees — even in companies that have been in business for decades.

What's covered in this episode:
✅ Where liability really lands when something goes wrong on a job site
✅ The 3 pillars every contractor must have in place before a sub touches your project
✅ What "autonomous" actually means — and why most contractors get it wrong
✅ Why a certificate of insurance alone is NOT enough to protect you
✅ The core coverages to verify on every sub (general liability, workers comp, commercial auto)
✅ What happens at audit when your subs aren't properly documented
✅ How a missing piece of the three-pillar system turns your sub into your employee by default
✅ Builder's risk and no-fault coverage — what it means and why your GC should carry it
✅ How to build a T-file tracking system to manage sub certificates all year long
✅ How upstream contracts are pushing more liability onto contractors than ever before
✅ What separates contractors who manage risk well from the ones who eventually get burned

This conversation could save your business from a claim, an audit penalty, or worse. If you're running a crew and relying on subs, this episode is not optional listening.

🔹 Connect with Rich Tygett — I.C. Insurance Solutions:
📞 916-224-2270 (call or text)
Specializing in contractors in California and Texas

Schedule a free remodeling growth audit with Remodeling Marketing Team  https://www.remodelingmarketingteam.com/get-started
📞 888-350-7859

#SubcontractorInsurance #ContractorInsurance #GeneralLiability #RemodelingContractor #RiskManagement #SubcontractorRisk #ContractorTips #WorkersComp #BuildersRisk #ContractorLife #ICInsuranceSolutions #RemodelingBusiness #GeneralContractor #SubcontractorCompliance #CertificateOfInsurance #ContractorSuccess #HomeRenovationBusiness #DigitalRemodeler #ContractorEducation #RemodelingPodcast #ContractorGrowth #BusinessProtection #CommercialAutoInsurance #RiskTransfer #SubcontractorManagement #RemodelingMarketing #ContractorOperations #TradeBusinessGrowth #RemodelingMarketingTeam #CaliforniaContractor

Stop Driving. Start Closing
Stop wasting time on tire kickers. Qualify and estimate remotely with AI-powered video technology.

What if you could remotely qualify leads, create accurate estimates, and manage multiple projects—all without ever leaving your office?

That's exactly what LiveSwitch does for remodeling contractors.

Stop Driving. Start Closing
Stop wasting time on tire kickers. Qualify and estimate remotely with AI-powered video technology.

Stop Driving. Start Closing
Stop wasting time on tire kickers. Qualify and estimate remotely with AI-powered video technology.

Visit us online - remodelingmarketingteam.com

Connect with us on Facebook - https://www.facebook.com/remodelmarketing

Subscribe to our YouTube Channel - https://www.youtube.com/channel/UCnqpHHqgpvEs1wkfDMt95uA