Flooring and tile subs are often small businesses. The basics are insurance and a W-9, with silica control when they cut tile, stone or concrete.
General liability and workers’ compensation at the limits your contract or owner requires, plus auto liability when the sub drives to site. Many GCs also ask for additional insured, waiver of subrogation, and primary & non-contributory endorsements.
For 1099 reporting before the first payment.
Where crews cut tile, stone or concrete, a silica exposure control plan is a reasonable ask on commercial jobs.
Some states and cities license flooring or home-improvement contractors. Licensing rules are set by each state, and sometimes by the county or city, so check what applies where the job is.
When removing flooring disturbs painted surfaces in pre-1978 homes or child-occupied facilities, EPA RRP firm certification can apply.
On public or bonded jobs, a bonding capacity letter and performance and payment bonds may be required, as the contract specifies.
Requirements vary by state, locality, owner and contract. This is a general starting point, not legal or insurance advice. Your contract and local rules decide what’s actually required.
SubSignoff records what documents say and whether they meet the requirements you set. It doesn’t confirm coverage with insurers or verify licenses with the state. Check licenses with the issuing agency; for some states SubSignoff links to the official lookup page.
Official public sources behind the documents and safety topics above. Rules differ by state and project; these links are for background, not legal or insurance advice.