# TRUST YOUR GUT: Bonus Chapter, Stop Letting Subs Risk Your Business

Page: https://stenobird.com/podcast/construction-legal-made-easy-6524910/trust-your-gut-bonus-chapter-stop-letting-subs-risk-your-business
Text version: https://stenobird.com/podcast/construction-legal-made-easy-6524910/trust-your-gut-bonus-chapter-stop-letting-subs-risk-your-business.md
Podcast: [Construction Legal Made Easy](https://stenobird.com/podcast/construction-legal-made-easy-6524910)
Published: 2026-06-29T12:00:00+00:00
Episode link: https://b3b9db25-16d7-4003-8965-8d5253a4e3df.libsyn.com/trust-your-gut-bonus-chapter-stop-letting-subs-risk-your-business
Audio file: https://traffic.libsyn.com/secure/b3b9db25-16d7-4003-8965-8d5253a4e3df/CLME_29june26.mp3?dest-id=4086060
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JSON: https://stenobird.com/v1/public/podcasts/construction-legal-made-easy-6524910/episodes/trust-your-gut-bonus-chapter-stop-letting-subs-risk-your-business
Duration seconds: 687

## Resource

Your subs can make or break you. In this bonus chapter, Karalynn explains why every subcontractor needs their own written agreement, how to tie sub payments to owner approvals, and how insurance, additional insured status, and master subcontracts protect your reputation and your bottom line. Learn more about The Cromeens Law Firm here ! Grab Karalynn's new book Trust Your Gut here . Follow Karalynn Cromeens on Facebook here . Follow Karalynn Cromeens on Instagram here . Follow Karalynn Cromeens on LinkedIn here . Watch the show on YouTube here . Key Takeaways 1. Every sub needs a written subcontract that sets quality standards, insurance requirements, and owner‑approval‑based payment terms. 2. Make sub payment contingent on owner approval and your receipt of funds so you are not paying for unapproved or defective work. 3. Use subcontracts to clarify that subs and their workers are not your employees, and require them to carry their own workers' comp. 4. Add yourself as additional insured on subs' policies and use a master subcontract to standardize protections across all projects. Timestamped Overview 01:00 Explanation that the book has focused on homeowner contracts so far, but subcontracting is another major risk area where contractors are often exposed. 02:00 Practical reasons for subcontracts: defining the relationship, setting quality standards, confirming insurance, and requiring that subs' work meets plans and specs and is approved before they get paid. 03:00 Emphasis that subs extend your reputation, so you must communicate your standards and methods clearly and treat subs' work as a reflection of your company. 04:00 Payment terms section: your payment to subs should mirror your payment from the owner, and subs should not be paid until the owner approves their…

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