Have you been successful in getting uninsured subs or individuals functioning as independent contractors, to sign a hold harmless agreement?

Do you ask that they bill you in writing, detailing out services performed, with pricing, instead of saying, for example, “32 hours week xx/xx/xx @ $nn.nn per hour, equals, $mm.mm.”

Do you ask your subs that can provide insurance certificates, that you be named as additional insured?

If your subs don’t have insurance, and you need them anyway and have them work, do you carry their insurance on yours and deduct the cost from their billings?